Bank statement charge
What is an SP * charge on my bank statement?
Who charged you
A store that takes payments with Shopify
SP * means you bought from a store that runs on Shopify and takes payments through Shopify Payments, online or in person on a Shopify card reader. The charge is usually an order from the store named after SP *, such as clothing, beauty products, supplements or gadgets.
How it can show on a statement
SP *SP * [STORE NAME]SP [STORE NAME]SHOPIFY * [9-DIGIT BILL NUMBER]
Find out what it was
- 1
Search your email for order confirmations sent in the days before the charge; Shopify stores send one for every order.
- 2
Search your inbox for the words after SP *, since order emails usually come from the same store name.
- 3
If you have used Shop Pay, open the Shop app or your Shop Pay order history and match the amount.
- 4
If the line reads SHOPIFY * with a nine-digit number and you run or once ran a store, match that number with the bills under Settings > Billing in your store admin.
- 5
Look for the same amount on the same day each month, which points to a subscription set up at checkout.
- 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 *”?
Shopify Payments puts SP * in front of the store's name, and the name is the one the store registered, which can differ from the brand on the website or the ad. Banks often cut it short, and some show SP without the asterisk.
Shopify's own name only appears on the bills it sends to people who run a store, as SHOPIFY * followed by a nine-digit bill number. An SP AFF line is different again: it is a Shop Pay Installments payment, which has its own page.
Why you might see this charge
- An order from an online store you found through a social media ad.
- A subscription or repeat order set up at checkout, such as coffee, vitamins or skincare.
- A store whose registered name differs from its brand name.
- A Shop Pay checkout, which still shows the store's name after SP *.
- A store owner's own Shopify plan or app fees, which show as SHOPIFY * and a bill number.
Is SP * legit?
Shopify is a large, real e-commerce company and does not sell goods itself. The charge comes from the store named after SP *, and some stores on Shopify are poor or misleading sellers, so the real question is which store it was.
If a text or email that uses the Shopify name asks you to confirm an order or a refund through a link, do not use the link: check your own order emails and card app instead.
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 | 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 * this page | 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 |
|---|---|---|
| USA* | Cantaloupe (formerly USA Technologies) | USA* and CTLP* are the prefixes of Cantaloupe, formerly USA Technologies, whose card readers sit on vending machines… |
| BANXA | Banxa | BANXA is Banxa, a payments company that sells crypto through the Buy button of wallet and exchange apps such as… |
| VISA PROVISIONING SERVICE | Visa | VISA PROVISIONING SERVICE is a card check, not a purchase, made when your Visa card is added to a wallet or an app. |
| FID BKG SVC LLC MONEYLINE | Fidelity Investments | FID BKG SVC LLC MONEYLINE is Fidelity Brokerage Services, the brokerage company behind Fidelity Investments accounts. |
| CCBill.com | CCBill | CCBill.com or CCBillEU is CCBill, a US payment company that bills for subscription websites, many of them… |
| SegpayCS.com | Segpay | SegpayCS.com or SegpayEU.com is Segpay, a Florida payment company that bills for subscription websites, many of them… |
| TRUSTLY GROUP AB | Trustly | TRUSTLY GROUP AB is Trustly, a Swedish pay-by-bank company that collects payments for other businesses; in the UK the… |
| JPMC RE PAYPAL | PayPal | JPMC RE PAYPAL is PayPal, collecting money from your bank account under the Direct Debit you agreed to when you linked… |
Questions about SP *
What does SP mean on a credit card statement?
SP stands for Shopify Payments. The words after SP * are the store you bought from, as the store registered its name.
What is a SHOPIFY * charge on my credit card?
SHOPIFY * followed by a nine-digit number is Shopify's own bill to someone who runs a store on Shopify. If you have never run a store, check whether someone in your household or at work set one up with your card.
Is SP * the same as SP AFF?
No. SP * is a purchase paid in full at a Shopify store; SP AFF is a Shop Pay Installments payment through Affirm, which has its own page.
What can I do about an SP * 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
- Resolving unknown charge issues on your Shopify bills (Shopify Help Center)
- What is this charge for? (Shopify)