diff --git a/src/mpp/methods/stripe/intents.py b/src/mpp/methods/stripe/intents.py
index 1a04332..4e95632 100644
--- a/src/mpp/methods/stripe/intents.py
+++ b/src/mpp/methods/stripe/intents.py
@@ -223,7 +223,12 @@ async def _create_with_client(
                 "payment_method_types": list(request.methodDetails.paymentMethodTypes),
                 "shared_payment_granted_token": spt,
             }
-            options = {"idempotency_key": f"mppx_{challenge_id}_{spt}"}
+            # Key idempotency on the challenge alone. The challenge id is HMAC-bound
+            # to the charge parameters (amount/currency/recipient/realm), so it is the
+            # stable identity of the charge. Including the (single-use, regenerated)
+            # SPT would make every retry a fresh key and let Stripe create a second
+            # PaymentIntent for the same logical charge -> double charge.
+            options = {"idempotency_key": f"mppx_{challenge_id}"}
 
             create_async = getattr(payment_intents, "create_async", None)
             if callable(create_async):
@@ -265,7 +270,7 @@ async def _create_with_secret_key(
             headers={
                 "Authorization": f"Basic {auth_value}",
                 "Content-Type": "application/x-www-form-urlencoded",
-                "Idempotency-Key": f"mppx_{challenge_id}_{spt}",
+                "Idempotency-Key": f"mppx_{challenge_id}",
             },
             data=body,
         )
diff --git a/tests/test_stripe.py b/tests/test_stripe.py
index f27fcb4..7a28b49 100644
--- a/tests/test_stripe.py
+++ b/tests/test_stripe.py
@@ -653,7 +653,11 @@ class CapturingClient:
 
     @pytest.mark.asyncio
     async def test_idempotency_key(self):
-        """Verify idempotency key format matches mppx."""
+        """Idempotency key is bound to the challenge id only, not the SPT.
+
+        The SPT is single-use and regenerated on retry; folding it into the
+        key would defeat idempotency and allow a duplicate charge.
+        """
         captured: list[tuple[tuple, dict]] = []
 
         class CapturingIntents:
@@ -669,7 +673,7 @@ class CapturingClient:
         await intent.verify(credential, SAMPLE_REQUEST)
 
         options = captured[0][1]["options"]
-        assert options["idempotency_key"] == "mppx_test-challenge-id_spt_test_xyz"
+        assert options["idempotency_key"] == "mppx_test-challenge-id"
 
     @pytest.mark.asyncio
     async def test_client_request_body_is_first_positional_arg(self):
@@ -757,7 +761,7 @@ async def test_verify_with_secret_key_success(self):
         headers = call_kwargs.kwargs["headers"]
         expected_auth = base64.b64encode(b"sk_test_raw:").decode()
         assert headers["Authorization"] == f"Basic {expected_auth}"
-        assert headers["Idempotency-Key"] == "mppx_test-challenge-id_spt_test_abc"
+        assert headers["Idempotency-Key"] == "mppx_test-challenge-id"
 
         data = call_kwargs.kwargs["data"]
         assert data["amount"] == "150"