Bank statement charge
What is an SP AFF charge on my bank statement?
Who charged you
An online store, paid over time with Shop Pay Installments (Affirm)
SP AFF means you paid a store with Shop Pay Installments, the pay later option in Shopify's checkout that Affirm provides, online or in the store itself. The line is usually one of the plan's scheduled payments, taken every two weeks or every month, with the store's name after SP AFF *.
How it can show on a statement
SP AFFSP AFF * [STORE NAME]RECURRING PAYMENT SP AFF * [STORE NAME]SP AFF* [STORE NAME] SAN FRANCISCO CA
1 more way it shows
SP AFF [FIRST LETTERS OF STORE NAME] SAN FRANCISCO
Find out what it was
- 1
Open the Shop app or your Shop Pay account and look at your installment plans and their payment dates.
- 2
Search your email for a Shop Pay Installments or Affirm plan confirmation and for payment reminders.
- 3
Check whether the amount is a quarter of a recent order, or the same amount repeating every two weeks or every month.
- 4
Read the store name after SP AFF * and search your inbox for an order from that store.
- 5
If you have the Affirm app, check its list of active plans for the same amount and date.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the business, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “SP AFF”?
The letters most likely stand for Shop Pay (SP) and Affirm (AFF), the lender behind the plan; neither company explains them, but stores that offer Shop Pay Installments show this format. The store's name follows, often cut short, and it can be the company's registered name rather than the brand you know.
SAN FRANCISCO on the line is Affirm's home city, not where the store is.
Why you might see this charge
- The second, third or fourth payment of a pay in 4 plan, taken every two weeks.
- A monthly payment on a longer Shop Pay Installments plan.
- The first payment, taken at checkout when you chose installments.
- A plan set up by someone in your household with your saved card.
- A store whose registered name differs from its brand, so the name after SP AFF looks unfamiliar.
Is SP AFF legit?
Real: Shop Pay Installments is a service from Shopify, provided by Affirm, and SP AFF lines are its scheduled payments for orders at Shopify stores.
A line you cannot match to an order of your own is still worth treating as unknown until you find the plan. Check plans only in your own Shop or Affirm app, never through a link in a message.
Which Shopify charge is it?
An unknown Shopify charge on your card is one of these:
| On your statement | Who charged you | What it usually is |
|---|---|---|
| SP AFF this page | Shop Pay Installments | SP AFF means you paid a store with Shop Pay Installments, the pay later option in Shopify's checkout that Affirm… |
| SP * | Shopify | SP * means you bought from a store that runs on Shopify and takes payments through Shopify Payments, online or in… |
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| PAYWARD INTERACTIVE INC | Kraken | PAYWARD INTERACTIVE INC is the US company that takes dollar deposits for Kraken, the crypto and trading app; Payward… |
| PAYPAL INST XFER | PayPal | PAYPAL INST XFER is PayPal taking money from your checking account by bank transfer. |
| CARDMEMBER SERV WEB PYMT | Cardmember Service (Elan Financial Services, U.S. Bank) | CARDMEMBER SERV WEB PYMT is usually a payment to a credit card, most often your own, taken from your checking account… |
| DATMAN | Datman | DATMAN means you paid a takeaway, restaurant or other food outlet that takes card payments through Datman. |
| GOCARDLESS LTD | GoCardless | GOCARDLESS LTD means you paid a business or organisation that collects its Direct Debits through GoCardless, a UK… |
| WINRED* | WinRed | WINRED* is WinRed, the online donation platform that processes contributions for Republican campaigns and organizations. |
| ZETTLE | Zettle | ZETTLE means you paid a small business that takes cards with Zettle, PayPal's card reader and till app, now called… |
| PAYPAL * | PayPal | PAYPAL * means you paid a business through PayPal, or a business took your card payment through PayPal. |
Questions about SP AFF
Is SP AFF Affirm or Shop Pay?
Both: Shop Pay Installments is Shopify's pay later option and Affirm provides the plan. The store you bought from is named after SP AFF *.
Why does SP AFF say San Francisco?
San Francisco is where Affirm, the lender behind the plan, is based, which is most likely why it shows on the line wherever the store is. The store's name, often shortened, is the part to look at.
Why do SP AFF charges repeat every two weeks?
A pay in 4 plan splits the order into four payments, the first at checkout and the rest every two weeks. Longer plans are paid monthly instead.
What can I do about an SP AFF charge I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to the business, so you do not have to chase it yourself.
Based on
- Shop Pay Installments overview (Shop Help Center)
- FAQ: Stuff you wanna know (xoxo, klowe, a Shopify store using Shop Pay Installments)
- Changing Shop Pay Installments Payout Descriptor (Shopify Community)
- SP+AFF Charge on Debit Card: Affirm or Shop Pay? (Charge On My Card)
- SP AFF (Slash charge identifier)