Payment processor & POS charges

Payment processors and point-of-sale systems handle card payments for other businesses. That is why a statement can show Stripe, SQ, Toast, Adyen, SumUp, SP, or another platform instead of the shop, restaurant, or software company you remember. The processor is usually not the seller; it supplied the checkout, card terminal, instalment plan, or billing infrastructure.

Read the complete descriptor because characters after an asterisk often contain a shortened merchant name. Match the date and amount to receipts from online purchases, restaurants, market stalls, subscriptions, and buy-now-pay-later plans. Email receipt searches are especially useful for Stripe, Paddle, and FastSpring purchases. Square and Toast entries are commonly linked to small businesses or restaurants, while Klarna, Afterpay, Affirm, and Sezzle amounts may be one instalment from an earlier purchase.

Contact the underlying merchant when you can identify it, since processors generally cannot cancel an order or issue a refund without the seller. Use only the processor's official receipt-lookup or support page. If the descriptor is generic and no receipt matches, ask the processor whether it can identify the merchant from the amount and date. Contact your bank if neither the merchant nor processor can account for the transaction.

Charges in this category

• SQ*

  A card payment processed by Square for a small business.

• SQ* Charge

  SQ* is Square's payment descriptor. Square is used by millions of small businesses — cafes, food trucks, hair salons — so SQ* is followed by the business name.

• SQ* My Business

  SQ* My Business means you paid at a business that uses Square but hasn't customized their statement name — so Square shows a placeholder 'My Business' instead of a real name.

• Square Charge

  A 'Square' or 'SQUARE*' charge on your statement is a card payment made at a business using Square's point-of-sale or online payment system.

• Stripe

  An online payment processed by Stripe for another business.

• Stripe Bank Statement Charge

  STRIPE or STRIPE.COM on your statement means an online business used Stripe to process your card payment. Stripe is a payment processor, not the seller — you need to identify the actual merchant.

• Stripe Charge Lookup

  To look up a Stripe charge, find the exact merchant name on your statement, check your email for a receipt, or use Stripe's customer portal to identify the business.

• SH Stripe

  SH Stripe (or sh_stripe) on your bank statement is a payment processed through Stripe, a payment platform — the 'SH' prefix is added by some banks when displaying Stripe transactions.

• Stripe EEA

  Stripe EEA STEL Aggregation appears on bank statements in Europe when multiple small Stripe-processed payments are batched together by your bank into a single statement entry.

• Adyen Charge

  Adyen is a large payment technology company that processes payments for major brands like Spotify, Uber, eBay, and McDonald's. An Adyen charge means one of their enterprise clients charged you.

• FastSpring Charge

  FastSpring is a payment and ecommerce platform used by software and gaming companies. A FastSpring charge on your statement means you purchased a software product or digital subscription.

• Paddle.net Charge

  Paddle.net is a billing platform used by software companies, game developers, and SaaS products. A Paddle.net charge means you purchased or subscribed to a software product.

• SumUp Charge

  SumUp is a mobile card payment system used by small businesses, market traders, and sole traders — particularly in Europe and the UK. A SumUp charge means you paid at a small merchant.

• SP* Charge

  SP* is typically a Shopify Payments descriptor, meaning you bought something from an online store that uses Shopify's payment system. The letters after SP* usually contain the store name.

• SP Shopify Charge

  SP SHOPIFY is a Shopify Payments descriptor shown by some banks for purchases at Shopify-powered online stores. It means you bought something from an online retailer using Shopify's checkout.

• TST* / TOAST

  A restaurant payment processed through the Toast POS system.

• Toast Charge

  A Toast charge means you paid at a restaurant or food business that uses Toast as its payment and ordering system. The word 'Toast' may appear with or without a business name.

• ToastTab Charge

  ToastTab is an older name for Toast's restaurant payment platform. If you see ToastTab on your statement, you paid at a restaurant using Toast's system under its legacy brand.

• TST* Charge

  TST* means you paid at a restaurant or food service that uses Toast as its point-of-sale system. TST* is followed by the restaurant's name.

• POS Debit Charge

  POS Debit means a Point of Sale debit transaction — your debit card was used to make a payment, either at a physical store terminal or online.

• POS Debit Reversal

  A point-of-sale debit that was cancelled, refunded, or returned.

• Reverse POS PUR

  Reverse POS PUR means a point-of-sale (in-store) purchase has been reversed — money that was taken from your account for a card payment is being returned.

• WWW Charge on Card

  A 'WWW' prefix on a bank statement charge usually means the transaction was made online — the merchant name following WWW is the website or business that charged you.

• Klarna Charge

  A Klarna charge is one scheduled installment from a buy now, pay later purchase you made using Klarna. Klarna splits purchases into smaller payments over time.

• Afterpay Charge

  An Afterpay charge is one of four equal fortnightly payments for a purchase you made using Afterpay's buy now, pay later service.

• Affirm Charge

  An Affirm charge is a monthly installment payment for a purchase you financed through Affirm's buy now, pay later service. Affirm offers 3 to 36-month payment plans.

• Sezzle Charge

  A Sezzle charge is one of four payments for a purchase you made using Sezzle's buy now, pay later service. Payments are taken every two weeks.

• WPY*

  WPY* usually means a payment was processed through WePay, a payment platform used by organizations and businesses. The charge is generally from the underlying organization, not from WePay itself.

• 2CO.COM

  2CO.COM usually means a software, digital product, or subscription payment was processed by 2Checkout, now part of Verifone, on behalf of the seller.

• NAYAX

  NAYAX usually identifies a payment made at a self-service location using a Nayax payment terminal, such as a vending machine, laundromat, or parking facility.

• XSOLLA

  XSOLLA usually means a game, virtual item, or other digital product was paid for through Xsolla, a payment provider used by game publishers and developers.

• DRI*

  DRI* usually means Digital River processed a software, digital product, or subscription payment for another company.

• GOCARDLESS LTD

  GOCARDLESS LTD usually means a business collected a Direct Debit through GoCardless, so the processor's name appears instead of the underlying business name.

• CSC SERVICEWORKS

  CSC SERVICEWORKS usually identifies a payment for laundry, an air pump, or similar unattended equipment operated by CSC ServiceWorks.

• WORLDPAY

  WORLDPAY usually means a business used Worldpay to process your card payment; Worldpay may appear instead of the shop, hotel, airline, or online seller.

• DLOCAL

  DLOCAL usually means a business used dLocal to accept or process a payment. The entry may identify the payment provider more clearly than the store, app, or service where the purchase was made.

• CASHFREE

  CASHFREE usually means a business used Cashfree's payment services to process a transaction. The statement text may reflect the payment provider rather than the business from which you bought something.

• CCAVENUE

  CCAVENUE usually means a merchant used the CCAvenue payment gateway for a transaction. It may appear on the statement instead of, or alongside, the business name you expected to see.

• PAYMENTWALL

  PAYMENTWALL usually means an online business used Paymentwall to process a payment. The processor name can appear on a statement even though the purchase was made from a separate website, app, game, or service.

• QUICKET

  QUICKET usually relates to a ticket or registration obtained through Quicket, an event-ticketing platform. The statement may show the platform name rather than the event organizer or event title.

• CCBILL

  CCBILL usually means CCBill handled billing for an online business. It can be connected with a one-time purchase or an ongoing subscription, often for digital-content or dating-platform services.

• SEGPAY

  SEGPAY usually means Segpay handled a payment or subscription charge for an online business. The processor name may appear on the statement instead of the website or service that the cardholder used.

• MOLLIE / STG MOLLIE PAYMENTS

  Mollie is a payment service provider used by businesses, particularly in Europe. MOLLIE or STG MOLLIE PAYMENTS may name the processor rather than the shop where you placed an order.

• London & Zurich / LONDON ZURICH

  London & Zurich can appear as a payment or billing-services name. It is important to identify the underlying merchant from the full transaction details rather than assuming the descriptor names the seller.

• DirectDebit.com / DIRECT DEBIT

  DirectDebit.com may be shown as part of a direct-debit billing descriptor. A direct debit pulls funds from a bank account under an authorization, so the biller and mandate should be checked.

• ACI Payments / ACI*

  ACI Payments is associated with payment technology and services. A statement entry can reflect a payment handled for another organization, so look for the biller or reference.

• ZLR / ZELLER

  ZLR and ZELLER can identify a merchant payment handled through Zeller, an Australian payment and business-banking provider. The underlying business may be named elsewhere in the transaction or receipt.

• WEB ACTIVE CORPORATION / EWAY

  WEB ACTIVE CORPORATION and EWAY can identify payments handled through eWAY, a payment gateway associated with Global Payments in Australia and New Zealand. The underlying merchant may have a different name.

• Mamo / MAMO*

  Mamo provides payment products for businesses in the Middle East. A Mamo entry may indicate that a merchant used Mamo to accept or manage a payment.

• XENDIT / PT SINAR DIGITAL TERDEPAN / SNR / XENDIT PHILIPPINES INC

  XENDIT, PT SINAR DIGITAL TERDEPAN, SNR, and XENDIT PHILIPPINES INC can identify payment infrastructure provided by Xendit in Southeast Asia. The underlying merchant or biller may have a different name.

• DOKU* [merchant] / JOKUL* [merchant]

  DOKU* and JOKUL* can appear when a merchant has used DOKU's Indonesian payment gateway. The text following the prefix may help identify the merchant.

• GPUK LLP

  GPUK LLP can be a statement descriptor connected with Global Payments UK's payment-processing activity. It is not, by itself, the name of the merchant that provided a purchase.

• AUTHNET GATEWAY

  AUTHNET GATEWAY can identify a payment handled through Authorize.net, a gateway used by merchants. Check the full descriptor for merchant information.

• EPX / EPX FE ... MERCH SETL

  EPX can refer to Electronic Payment Exchange, a payment-processing company. “MERCH SETL” wording may describe merchant settlement activity rather than a consumer purchase.

• NETS POS WEBSHOP / NETS

  NETS POS WEBSHOP can indicate a card payment processed by Nets, a Nordic and European payments provider. The merchant may be named elsewhere in the full transaction details.

• EPGBILL / Euro Payment Group

  EPGBILL can be associated with Euro Payment Group payment services. The descriptor should be matched to the merchant, amount, and date in the account holder's records.

• WEBBILLING

  WEBBILLING is a billing descriptor that may appear instead of a merchant's familiar name. Compare the complete entry with an independent receipt or account history.

• SAFECHARGE G2S / Gate2Shop

  SAFECHARGE G2S and Gate2Shop can appear where a merchant used SafeCharge or Gate2Shop payment services. The processor name is not necessarily the merchant name.

• RAZ*[merchant]

  RAZ* can indicate a payment processed through Razorpay. The text after RAZ* is the merchant identifier to investigate; Razorpay is the processor, not necessarily the business that sold you something.

• INSTAMOJO

  INSTAMOJO may identify payment processing used by a merchant rather than the merchant's consumer-facing name. Merchants using the service may warn customers that this wording can appear on a bank or card statement.

• EASEBUZZ

  EASEBUZZ may be payment-processing wording shown for a merchant transaction, rather than the name of the business you dealt with. Some merchants tell customers that this name may appear on statements.

• IIBF BILLDESK / IIBF BILLDESK MUMBAI / IIBF BILLDESK MUMBAI IN

  IIBF BILLDESK, IIBF BILLDESK MUMBAI, and IIBF BILLDESK MUMBAI IN can be related statement variants. The descriptor typically combines a merchant name with BillDesk; BillDesk is not a universal standalone prefix.

• PAYMONGO

  PAYMONGO can appear when a merchant uses PayMongo to process a payment. Merchants may tell customers that the statement can show PayMongo on the merchant's behalf.