Reason code

173 Duplicate Charge

[Consumer Disputes]

Details

American Express reason code 173 is issued when a cardholder believes they were charged more than once for a single purchase. This often happens due to technical issues during checkout, manual entry errors, or confusion when a transaction is reattempted.

In many cases, one of the transactions may have been authorized but not captured—or reversed before settlement. These disputes usually stem from a lack of clarity in the billing history, and they can often be resolved with clear documentation from the merchant.

Timing to raise the dispute (Issuer/Cardholder)

120daysn/a

Timing to respond to the dispute (Acquirer/Merchant)

20daysn/a

How to respond?

If the transactions were not duplicates, show that each charge was valid and distinct:

  • Provide unique receipts, signed orders, or shipping confirmations for each transaction
  • Include transaction timestamps or authorization logs showing separate purchases
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How to prevent?

Put systems in place to avoid accidental double charges and reassure customers at checkout:

  • Configure your payment system to detect and block duplicate authorizations
  • Clearly communicate to customers when a transaction is retried or reversed
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