Charge Decoder: What Is That Charge on Your Statement?
It's 11pm and there's a charge on your statement you don't recognize. Most of the time it isn't fraud: it's a real subscription hiding behind a cryptic billing descriptor. Look yours up below: each entry explains what the descriptor means, every service that bills under it, and the exact steps to trace, cancel, or dispute it.
Look up your charge
| Statement descriptor | What it usually is |
|---|---|
| APPLE.COM/BILL | Any Apple subscription or purchase: iCloud+, Music, TV+, App Store apps |
| AMZN Digital | Kindle Unlimited, Audible, Prime Video Channels, Amazon Music |
| GOOGLE *SERVICE | Google One, YouTube Premium/TV, Play Store app subscriptions |
| PAYPAL INST XFER | A purchase or subscription billed through PayPal; the merchant hides in PayPal activity |
More descriptors are added regularly. Can't find yours? The universal method: search the exact descriptor text in your bank's app transaction details first (banks often expand it), then check the three big subscription hubs: Apple (reportaproblem.apple.com), Amazon (Memberships & Subscriptions), and Google (pay.google.com). Between them they bill for thousands of apps and services.
Three rules for any mystery charge
- Never call a phone number from a random website claiming to be billing support. Page-one results for charge lookups include scam pages with fake dispute numbers. Use the official account pages linked in our entries.
- Check your household before crying fraud. Family members on shared payment methods start most "mystery" subscriptions.
- Genuinely unknown after checking? Treat it as fraud: dispute with your bank, replace the card, and don't wait for it to happen again.
DECODE THEM ALL AT ONCE
Type every subscription you find into the free calculator and see what the leaks cost you per year. No signup, no bank login.
Reveal my shame scoreSubscriptionShame is not affiliated with any company named in this directory; trademarks are used for identification only. Not financial or legal advice.