This article helps users resolve unexpected Gnosis Pay Card charges. It explains how to deal with duplicate transactions and steps to take if you suspect fraud, including freezing your card and initiating a formal dispute.
Unexpected charges on your Gnosis Pay Card can be stressful—but most cases are easily resolved.
This guide breaks down two types of issues:
Duplicate Charges — when you're billed twice for one purchase
Unrecognised Transactions — charges that appear unfamiliar or suspicious
🧾 Problem 1: Duplicate Transaction
What it is:
You were charged twice (or more) for the same purchase. This is usually not fraud but a processing error.
Common causes:
Merchant error (e.g. payment was processed twice)
Network glitch (transaction submitted more than once)
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Pre-authorisation confusion (a hold wasn’t properly released)
✅ What to do:
1. Check Transaction Status
Go to your Gnosis Pay app
See if one charge is Pending and the other is Cleared
2. If one is Pending
Wait 3–5 business days
Most pending duplicates resolve automatically
3. If both are Cleared
Contact the merchant first — they may refund the duplicate
If unresolved, contact Gnosis Pay support with details of both transactions
❌ Problem 2: Unrecognised Transaction
What it is:
You don’t recognise a charge in your transaction history. This may indicate fraud or a charge you simply didn’t recall.
🚨 IMMEDIATE ACTION: Freeze Your Card
Before doing anything else:
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Freeze your Gnosis Pay Card in the app
🔎 Investigate the Charge
Before reporting it as fraud, consider these checks:
Merchant Name: Some transactions use a business’s legal name, not the brand name
Final Pre-Authorisation: Could this be the final charge from a hotel, ride-sharing, or food delivery?
Recurring Billing: Could it be a subscription or free trial that just started billing?
📝 Still Suspicious? Report It Immediately
If you are certain the charge is fraudulent:
Keep your card frozen
Contact Gnosis Pay Support via in-app chat
Tell us you’ve identified an unrecognised transaction and need to file a dispute
🔗 Learn more: How to Dispute a Transaction