Why Amazon splits one order into many charges
Large online retailers rarely ship an order as one box. Inventory sits in multiple fulfillment centers, so a single order is picked, packed, and shipped from several warehouses — and the card is charged once per shipment, at the moment each box ships. That is why a $200 order can appear on your statement as $80, $65, and $55 on different days instead of one $200 charge.
Because the charge posts when the box ships, the amount can also differ slightly from the item subtotal: sales tax is calculated per destination and per shipment, discounts and gift cards are allocated across boxes, and a small "shipping adjustment" can appear if a box is weighed differently than estimated. These are normal settlement behaviors, not double charges.
How the reconciler works
Paste your bank statement CSV and your order history report CSV. The tool looks for each bank charge as a single order line or a combination of order lines (a subset-sum match) and shows you which items each charge corresponds to. Matches are computed locally with a tolerance of a few cents to absorb tax rounding. Charges that do not combine cleanly are left unlisted — check those against pending auth holds, which sometimes settle at a slightly different amount days later.
Auth holds are not charges
When a shipment is being prepared, the retailer may place a temporary authorization for more than the final total — a hold, not a posting. Holds drop off in a few days if they never become a charge. If you see a pending amount that never settles, that is a hold; if a settled charge posts twice for the same shipment, then you have a real duplicate worth disputing through the card issuer.
Good to know: This tool is informational and does not provide financial advice. It cannot tell you whether a specific charge is fraudulent — use it to identify which order a charge belongs to, then confirm against your amazon account order page. Nothing you paste is uploaded or stored; all matching happens in your browser.