Indeed, I suspect that's what went on here. I don't think there even exist 99 providers of what's customary called a digital wallet (e.g. Apple/Google Pay), and there's no definitely no single person that uses 99 of them.

It's bad service from GP's card company though, with network tokens they should be able to see which specific token was abused, and revoke just that one.

I discovered this "quirk" when the local ice rink started charging me for dozens of charges — I was watching them come in. There were two "child2 thechao"s (insert crazy common name); and ... they just picked one and started charging. They didn't want to reverse the charges because the mom of child2 didn't want to pay.

Interesting. I recently cancelled and reordered a card and I have still been able to make purchases via Amazon without ever making an update. In this case I am happy about it because I am lazy but had no idea how it was working. Presume this is what is going on.