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CancelWise
Public charge descriptor directory

Start with the words on your bank statement.

A descriptor may name the company, an app store, a payment processor, or a merchant of record. Match it to a receipt before you cancel, request a refund, or contact your bank.

Common statement clues

Descriptor guides and resolution routes

These are starting points, not certainty claims. The receipt, account history, amount, and date decide whether a match is real.

APPLE.COM/BILL Apple charge but no subscription appears Check Apple receipts, other Apple Accounts, Family Sharing, purchase history, and the separate refund route. GOOGLE *TEMPORARY HOLD Google temporary authorization hold Distinguish a temporary authorization from a completed charge and keep the account and payment evidence. PADDLE.NET Identify the software seller behind Paddle Paddle can be the merchant of record for another software product. Use the receipt and buyer support route. PAYPAL *MERCHANT Find and stop a PayPal automatic payment Open the merchant entry in PayPal, save the transaction ID, and cancel both the authorization and merchant plan when needed. AMZN DIGITAL Check Amazon digital billing routes Review memberships, Prime Video Channels, Appstore subscriptions, Kindle, and other digital purchases separately. MICROSOFT* Check Microsoft, Xbox, and Microsoft 365 billing Use the Microsoft account on the receipt and review order history plus Services and subscriptions. STRIPE* Find the merchant behind Stripe Stripe usually processes a payment for another business. Use the official charge lookup and receipt. ROKU FOR ... Check Roku-billed channels and subscriptions Review Roku account subscriptions and confirm whether Roku or the streaming service controls the plan.
Correct order of operations

Do not jump straight to a dispute.

  1. Capture the full descriptor, amount, date, and card or account used.
  2. Search receipts and account histories to identify the product and billing owner.
  3. Cancel future billing through the owner named on the receipt.
  4. Request a refund separately when the official policy provides a review route.
  5. Contact the bank or payment provider promptly when the charge is unauthorized or remains unresolved.

Useful tools