35+ descriptors explained

Unknown chargeon your bankstatement?

COMENITY PAY, SYNCB, VIOC, TST*, SQ*, ATG PAY, REVERSAL — look up any mystery payment descriptor and find out exactly who charged you.

Store credit cardsPOS processorsBNPL paymentsTransaction types

Credit card5 descriptors

DescriptorWhat it isDetails

COMENITY PAYComenity Bank store card paymentVictoria's Secret, Express, Ann Taylor, Buckle, Kay Jewelers, Pier 1, and 150+ retailers

SYNCB / SYNCHSynchrony Bank store card paymentAmazon, PayPal Credit, Lowe's, Gap, Sam's Club, TJX, BP, Old Navy

JPMCB CARDJPMorgan Chase Bank credit cardPayment to a Chase credit card (Sapphire, Freedom, Ink, etc.)

CBNACitibank North AmericaPayment to a Citi credit card or Citi store card

ELAN FINANCIALElan Financial ServicesPayment to a credit card issued by Elan (often through community banks)

POS system6 descriptors

DescriptorWhat it isDetails

TST*Toast POS — restaurant paymente.g. TST* MARIOS PIZZA — paid at a Toast-enabled restaurant

SQ *Square POS — small businesse.g. SQ* SUNRISE BAKERY — paid at a Square-enabled merchant

SP *Shopify Pay — online purchaseOnline store using Shopify checkout, e.g. SP* BRAND NAME

ATG PAYArt Technology Group payment processorE-commerce platform used by large online retailers — check order emails for the merchant

STRIPEStripe payment processorOnline purchase at a Stripe-powered merchant — merchant name usually follows

PAYPAL *PayPal transactionPurchase or P2P transfer via PayPal — merchant name follows the *

Auto5 descriptors

DescriptorWhat it isDetails

VIOCValvoline Instant Oil ChangeOil change or vehicle service at Valvoline — location number follows

JIFFY LUBEJiffy Lube oil changeVehicle oil change or service at Jiffy Lube

SUNOCOSunoco gas stationFuel purchase at a Sunoco station

EZ PASS / EZP*EZPass toll paymentHighway toll charge auto-debited from your EZPass account

GEICO PAYMENTGEICO auto insuranceAuto insurance premium payment to GEICO

Subscription6 descriptors

DescriptorWhat it isDetails

NFLX / NETFLIXNetflix subscriptionMonthly Netflix streaming subscription — $7.99–$22.99/month

SPOTIFYSpotify music subscriptionMonthly Spotify Premium — $9.99–$15.99/month

HULUHulu streaming subscriptionMonthly Hulu subscription — varies by plan

DSNP / DISNEY+Disney+ subscriptionMonthly Disney+ streaming subscription

MSFT / MICROSOFTMicrosoft 365 / Xbox subscriptionMicrosoft 365, Xbox Game Pass, or other Microsoft services

APPLE.COM/BILLApple subscription or purchaseApple One, iCloud+, Apple TV+, App Store purchase, or Apple Music

BNPL4 descriptors

DescriptorWhat it isDetails

KLARNAKlarna Buy Now Pay LaterInstallment payment for a BNPL purchase made through Klarna

AFFIRMAffirm Buy Now Pay LaterInstallment loan repayment through Affirm

AFTERPAYAfterpay installment paymentFortnightly installment payment for an Afterpay purchase

SEZZLESezzle Buy Now Pay LaterInstallment payment for a Sezzle purchase

Transaction type6 descriptors

DescriptorWhat it isDetails

REVERSALTransaction reversal / cancellationA previous charge was cancelled — money returned to your account. Should match a prior debit.

PREAUTHPre-authorisation holdTemporary hold (e.g. hotel, gas station, car rental) — final amount posts later

MEMOInformational memo entryNo funds moved — informational note only (e.g. interest rate notice)

ORIG COACH originating companyThe company initiating an ACH debit — company name follows (e.g. ORIG CO: GEICO)

WEB PYMTWeb / online paymentPayment made online — often a bill payment or loan payment via web portal

RECURRecurring transactionAutomatic recurring charge — subscription, loan payment, or standing order

Utilities4 descriptors

DescriptorWhat it isDetails

XCEL ENERGYXcel Energy utility paymentElectric or gas utility bill payment to Xcel Energy (CO, MN, TX, NM)

COMCASTComcast / Xfinity internet or cableInternet, cable, or phone bill payment to Comcast/Xfinity

AT&TAT&T phone or internetMobile, internet, or TV bill payment to AT&T

T-MOBILET-Mobile phone billMobile phone bill payment to T-Mobile

not in the list?

5 steps to identify any mystery charge

Check this page

Search the descriptor table above — most unfamiliar names are payment processors or parent company names.

Check your email

Search your inbox for order confirmations or receipts with a date matching the charge. Merchant names in email often differ from statement descriptors.

Check family members

If you share a bank account or have authorized users on a card, ask other account holders if they made the purchase.

Upload your statement

Upload your PDF here — AI identifies and categorizes every transaction. Seeing charges grouped by category often helps identify the source.

Call your bank

Your bank can look up the merchant behind any transaction ID. Call the number on the back of your card — they can often identify it instantly.

Think it might be fraud?

If you've checked this page, searched your email, and asked family members — and still can't identify the charge — it may be unauthorized. Contact your bank immediately:

Call the number on the back of your debit/credit card
Report it as an unauthorized transaction — not just "I don't recognize it"
Your bank will freeze that card and issue a new one
You have 60 days from the statement date to dispute a charge

See every charge — categorized automatically

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Mystery charge FAQ

What is COMENITY PAY on my bank statement?+−

COMENITY PAY is a payment to a Comenity Bank store credit card. Comenity Bank issues credit cards for hundreds of retailers including Victoria's Secret, Express, Ann Taylor, Buckle, Forever 21, Pier 1, Kay Jewelers, and many others. If you have a store credit card, your payment will appear as "COMENITY PAY" or "COMENITY BANK" on your checking account statement.

What is SYNCB on my bank statement?+−

SYNCB stands for Synchrony Bank — a major issuer of store credit cards. SYNCB charges appear when you make a payment to a Synchrony-issued card. Common Synchrony cards include Amazon Store Card, PayPal Credit, Lowe's, Gap, Old Navy, Sam's Club, BP, and TJX cards. The entry may appear as "SYNCB/AMAZON", "SYNCB/PAYPAL", or similar.

What is VIOC on my bank statement?+−

VIOC stands for Valvoline Instant Oil Change. If you had an oil change at a Valvoline service center, the charge will appear as "VIOC" followed by a location number or city on your bank statement.

What is ATG PAY on my bank statement?+−

ATG (Art Technology Group) PAY is a payment processing platform used by many e-commerce merchants. If you made an online purchase and see ATG PAY on your statement, check your email for order confirmations around that date — the merchant name may differ from the payment processor name.

What does "reversal" mean on a bank statement?+−

A reversal on a bank statement means a previous transaction was cancelled and the money was returned to your account. Common causes: a merchant reversed a charge after a return or dispute, a duplicate transaction was corrected, or a pre-authorization was released. A reversal should show as a credit (positive amount) matching a previous debit.

What is TST* on my bank statement?+−

TST* is the prefix used by Toast — a point-of-sale system popular in restaurants. A charge like "TST* MARIOS PIZZA" means you paid at a restaurant using the Toast POS system. The restaurant name follows the TST* prefix.

What is SQ* on my bank statement?+−

SQ* is the prefix used by Square, a payment processing system used by small businesses, food trucks, markets, salons, and independent retailers. A charge like "SQ* SUNRISE BAKERY" means you paid a Square-enabled merchant.

I found an unknown charge — is it fraud?+−

Not necessarily. Many legitimate charges appear under unfamiliar names because merchants use payment processors with different names, abbreviate their business name, or bill under a parent company name. First check this page for the descriptor. If you still can't identify it, check your email for receipts around that date, check if a family member made the purchase, or call the number on the back of your card — your bank can often identify the merchant by the transaction ID.

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