What this variant means
This registry groups this wording with IC* INSTACART; check the identity evidence before treating it as the same merchant.
IC* INSTACART most likely relates to an Instacart grocery order or an Instacart+ membership fee. Instacart's terms identify the company as Maplebear Inc. (d/b/a Instacart), but the help pages we read do not show how the IC* text appears on bank statements. Start by opening Your orders in the Instacart app or website and matching the amount and date, then check Your Instacart+ membership for a renewal.
Why the amount may not match checkout
Instacart says it places temporary authorization holds on your card to cover changes from added items, replacements and weighted items. Hold amounts vary and can be higher than the order total. Banks typically release the hold and update the final total after the order is delivered or canceled, and some payment methods take longer for the pending entry to drop off.
More than one hold can appear on a single order. Instacart lists two cases: changes after checkout that exceed the first authorization, and orders placed several days ahead where the first hold expires before delivery. A pending line next to a posted line is therefore something to compare against the order, not proof of a double charge.
- A refund for an out-of-stock item lowered the final total.
- A shopper replaced an item with one at a different price.
- Items were added after the order was placed.
- Produce or other weighted items came in at a slightly different weight.
- The shopper tip was increased after delivery.
Sources for this section: Instacart Help: authorization holds, recurring payments and unknown charges. See the claim limits below.
Find the order or membership behind the charge
On the Instacart website, open the menu (three horizontal lines) and select Your orders; in the app, tap the Account icon and then Orders. Compare each recent order with the date and amount on your statement. Instacart says recurring charges only occur if you renew an Instacart+ subscription, so a repeating amount with no matching order points to the membership page.
Some grocery orders that Instacart shops and delivers are placed on a retailer's own app or website. Instacart says those orders are managed by the retailer, including account and payment details. Retailers it names include Aldi, Kroger-family stores, Wegmans and Lowe's. If you checked out on a retailer's site, look for the order in that retailer's account instead.
Sources for this section: Instacart Help: authorization holds, recurring payments and unknown charges · Instacart Help: get help · Instacart Help: report a problem with your order. See the claim limits below.
Instacart+ renewals and cancellation
Instacart's membership page says trial members are charged a membership fee if the trial rolls into a paid plan, and that charges may be applied up to 6 hours before renewal. It says those charges are refundable according to the Instacart+ Terms; it does not state a fixed refund window, so check the terms for your situation.
- Open your membership page On the website, select the 3 horizontal lines in the upper left; in the app, select the Account icon in the upper right. Then select Your Instacart+ membership.
- Cancel the membership Under Manage your membership, select Cancel membership. The same page lets you review membership details and change the payment method.
Why are there two Instacart entries for one order?
Instacart says an order can carry more than one authorization hold when changes exceed the first hold or when an early hold expires before delivery. Banks typically release holds after delivery or cancellation; compare both entries with the order.
Sources for this section: Instacart Help: authorization holds, recurring payments and unknown charges · Instacart Help: manage your Instacart+ membership. See the claim limits below.
If the charge still does not make sense
Instacart asks customers to reach out to it or to their bank when a charge does not fit the explanations above. Its help page warns that a bank dispute may freeze your Instacart account and take up to 90 days to resolve, and says it needs to confirm some details before it can look into a charge.
Instacart's Get help page lists Connect with Instacart in the Help Center and the phone number 1-888-246-7822 for orders placed on Instacart.com or the Instacart app. If you believe your card was used without permission, you can also contact your bank directly.
Sources for this section: Instacart Help: authorization holds, recurring payments and unknown charges · Instacart Help: get help. See the claim limits below.
Frequently asked questions
Is IC* the same as IC* INSTACART?
The registry groups IC* with IC* INSTACART, but their shared merchant identity is unconfirmed. Ask your issuer for the merchant or ACH originator details and compare the amount and date with your own records.
The original descriptor
This line is a variant of IC* INSTACART in this registry. Read the evidence limits in the full entry and confirm the relationship with your issuer.
Independent reference — not affiliated with Maplebear Inc. (Instacart). Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
Descriptor identity corroborated · Checked 2026-11-01
Read Instacart help pages on holds and unknown charges, Instacart+ management, order problems and get-help routes, plus the Terms for the legal name. Removed the 'usually legit' stamp, homepage source, generic subscription cancel steps, invented 14 to 30 day refund window and boilerplate fraudRisk. Replaced cancel steps with the documented Instacart+ Cancel membership path and the phone number shown on the Get help page. The IC* prefix on bank statements remains undocumented.
- Instacart is Maplebear Inc. (d/b/a Instacart); its help pages describe order charges, holds and Instacart+ renewals, which the INSTACART wording points to.
No Instacart page we read shows the IC* prefix or how the charge is displayed by banks; identity rests on the company name in the descriptor.
Sources: Instacart Help: authorization holds, recurring payments and unknown charges (checked 2026-11-01) · Instacart Terms of Service (checked 2026-11-01) - Instacart places authorization holds that can exceed the order total, can be multiple, and are released by banks after delivery or cancellation; final totals change for listed reasons.
No fixed hold-release time is stated; timing depends on the payment method and bank.
Sources: Instacart Help: authorization holds, recurring payments and unknown charges (checked 2026-11-01) - Orders are listed under Your orders (web) or Account > Orders (app); recurring charges come only from Instacart+ renewals; retailer-site orders are managed by the retailer.
Retailer list is Instacart's as of the check date and can change.
Sources: Instacart Help: authorization holds, recurring payments and unknown charges (checked 2026-11-01) · Instacart Help: get help (checked 2026-11-01) · Instacart Help: report a problem with your order (checked 2026-11-01) - Instacart+ trial conversion charges, charges up to 6 hours before renewal, refundability per Instacart+ Terms, and the documented Cancel membership path.
Refund eligibility depends on the Instacart+ Terms, which were not reviewed here; no refund window is stated on this page.
Sources: Instacart Help: manage your Instacart+ membership (checked 2026-11-01) - Instacart asks customers to contact it or their bank about unexplained charges, warns bank disputes may freeze the account for up to 90 days, and lists 1-888-246-7822 and in-app help routes.
The phone line is listed for orders placed on Instacart.com or the Instacart app, not retailer-managed orders. The script is a prompt, not proof of an order.
Sources: Instacart Help: authorization holds, recurring payments and unknown charges (checked 2026-11-01) · Instacart Help: get help (checked 2026-11-01)
- Instacart Help: authorization holds, recurring payments and unknown charges https://www.instacart.com/help/section/360007797992/360039572571
Authorization holds, multiple holds, reasons final totals change, Instacart+ as the only recurring charge, and the contact-us-or-your-bank guidance with the 90-day dispute warning; does not document the IC* statement text. · Checked 2026-11-01
- Instacart Help: manage your Instacart+ membership https://www.instacart.com/help/section/107169420/423178048
Trial-to-paid membership charges, charges up to 6 hours before renewal, refundability per the Instacart+ Terms, and the Cancel membership path; does not give a fixed refund window. · Checked 2026-11-01
- Instacart Help: get help https://www.instacart.com/help/section/809794019/1992925010
Support routes (Connect with Instacart, Get help, 1-888-246-7822) and the list of retailer-managed orders; does not address statement descriptors. · Checked 2026-11-01
- Instacart Help: report a problem with your order https://www.instacart.com/help/section/360007797992
In-app and website paths to the order list (Account icon > Orders; menu > Your orders); about order problems, not bank descriptors. · Checked 2026-11-01
- Instacart Terms of Service https://www.instacart.com/terms
Defines Instacart as Maplebear Inc. (d/b/a Instacart), a Delaware corporation; does not describe card statement text. · Checked 2026-11-01
Descriptor identity corroborated · medium · About UnknownCharges