Bank statement charge
What is VISA PROVISIONING SERVICE on my bank statement?
Who charged you
Visa a card check, not a purchase
VISA PROVISIONING SERVICE is a card check, not a purchase, made when your Visa card is added to a wallet or an app. It usually shows as 0.00 or a small amount that drops off on its own, after the card goes into Apple Pay, Google Wallet or Samsung Wallet.
How it can show on a statement
VISA PROVISIONING SERVICEPURCHASE AUTHORIZATION VISA PROVISIONING SERVICEAUTHORIZATION VISA PROVISIONING SERVICPOS PURCHASE AUTHORIZATION VISA PROVISIONING SERVIC
Find out what it was
- 1
Open the wallet app on every smartphone, tablet and watch you use and check whether the card is there, including on a device you set up around that date.
- 2
In your banking app, open the card's settings and look for a list of digital wallets or connected devices, if your bank shows one.
- 3
Check the amount: a provisioning check is usually 0.00 or a small amount that disappears within a few days.
- 4
Think back to apps or shops where you saved the card that day, such as a new subscription or a new smartphone.
- 5
Check whether a replacement card arrived recently, since an updated card can set off the same check.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the company that charged you, 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 “VISA PROVISIONING SERVICE”?
Mobile wallets and many apps do not store your real card number. Visa swaps it for a digital token, and creating that token sends a request to your bank to approve. Banks show that request under the name of Visa's service instead of the wallet or app you were using, so it looks like an unknown shop.
Some lines say declined. That usually means the request to add the card was refused, often by an automatic risk check, and no money was taken.
Why you might see this charge
- You added the card to Apple Pay, Google Wallet, Samsung Wallet, a smartwatch or a new smartphone.
- An app or online shop saved the card for later payments, which can run the same check, for example when you started a subscription.
- Your bank sent a new or replacement card, and wallets or saved cards that update to it can run the check again.
- A wallet setup was refused by an automatic risk check, which shows as a declined line.
- Someone else tried to add your card to their own device, which is worth knowing if you added it nowhere yourself.
Is VISA PROVISIONING SERVICE legit?
It is a real Visa process, not a shop, and the check itself does not take money. Apple Pay, Google Wallet, Samsung Wallet and many apps rely on it whenever a Visa card is added.
If a message about this line asks you to confirm your card through a link, leave the link alone and check the card in your own wallet and banking apps instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| 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… |
| FORIS DAX INC | Crypto.com | FORIS DAX INC is Foris DAX, Inc., the US company behind Crypto.com, the crypto app and card company; in Canada the… |
| MoonPay | MoonPay | MoonPay is a payments company that sells cryptocurrency inside wallet apps such as Phantom, and on its own website and… |
| PAYRANGE MOBILE | PayRange | PAYRANGE MOBILE is PayRange, the mobile app that pays laundry machines, vending machines and other coin machines over… |
Questions about VISA PROVISIONING SERVICE
Is VISA PROVISIONING SERVICE a charge?
No. It is a check, usually for 0.00 or a small amount that drops off within a few days. Nothing is bought, and the check itself takes no money.
Why does VISA PROVISIONING SERVICE say declined?
The request to add your card to a wallet or app was refused, often by an automatic risk check. No money was taken. If you were adding the card yourself at that moment, the setup did not go through; if you were not, someone else may have tried to add your card to their own device.
Why is the amount 0.00?
A zero amount lets your bank confirm the card works without charging it. Some banks show a small amount instead, which is released after a few days.
What is a token provision charge?
A token provision line is the same card check. When a card goes into a wallet or an app, Visa creates a token, a stand-in number that is stored instead of the real card number, and your bank is asked to approve it. That request is what shows as VISA PROVISIONING SERVICE or token provisioning, usually for 0.00, and no money is taken for it.
What if money was taken that I did not agree to?
File a complaint on Complain.biz. We write it with you and send it to Visa, so you do not have to chase it yourself.
Based on
- Visa Token Service product fact sheet (tokens replace card numbers; issuer authorizes)
- Visa Developer: Visa In-App Provisioning (SERP #1)
- Apple Community: Apple Wallet/Pay and Provisioning (decline via Visa Provisioning Service)
- WhatsThatCharge: AUTHORIZATION VISA PROVISIONING SERVIC
- Reddit r/CreditCards: US Bank Cash+, $0 'Visa Provisioning fee'
- YourBankStatementConverter: What is Visa Provisioning Service on bank statement (SERP #2)