A: This is the money I borrowed from you last week.
B: Okay, but you shortchange me by 20 dollars. / Okay, but you overpay me by 20 dollars.
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B: Okay, but you've shortchanged me by 20 dollars. / That's $20 too much. ) Friends would say this: Okay, but that's 20 dollars more / less than you owe me.
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B: Okay, but you've shortchanged me by 20 dollars. / That's $20 too much. (A shopkeeper or customer would say this..)
Friends would say this:
Okay, but that's 20 dollars more / less than you owe me.