You may find the website and phone number of the merchant. Chase, for instance, offers expanded merchant details on the transaction line within your recent activity. Some credit card providers offer additional information online or within their apps. If you still need more information, log into your account. You can often find enough information from an online search to identify the merchant in question, including their phone number. Chances are good that if you didn’t recognize a transaction, others had a similar experience. What You Should Do If You Don’t Recognize a Charge Try Online ResearchĪ quick online search of the merchant’s name exactly as it appears on your statement will likely generate some clarity. While both of these names help contextualize your order, not all purchases are that clear. For example, you may have noticed that DoorDash charges appear on your statement with the name of the restaurant.
Sometimes, websites that redirect you to a different payment processor may include a combination of both companies. Some transactions may also require that supplemental data is included in those 25 characters. For most merchants this length should be sufficient, but when it’s not, some interesting abbreviations come into play. While the chosen name may make sense at the moment of purchase, when your bill arrives 28 days later, that food truck purchase at Señor Burrito can show up on your statement as parent company ABC Incorporated.Īnother issue is that transaction data is limited to 25 characters. According to Visa’s Merchant Data Standards, the name must convey both the name most prominently displayed by the merchant and the merchant’s “Doing Business As” (DBA) name. Some charges will come through as an alternative trading name for the company or list the location where the company is headquartered, rather than the location of your purchase.Īlso, the naming conventions that try to offer clarification may be more challenging for some vendors. Merchant Names May be Different on Your Bill Before you assume your card was hacked, know that there are other potential reasons you may not recognize the charge. Your credit card statement arrives and for the life of you, you don’t remember the purchase.
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