163 Cargos
Procesadores de pago y prefijos
SQ*, TST*, PADDLE.NET*: prefijos de pasarelas donde el comercio real figura tras el asterisco.
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Aug 22 ACI FL POWER & LIGHT Florida Power & Light Bill $189.40 08/31 ACI PAYMENTS INC ACI Payments Inc Government Payment $255.00 08/05 ACTBLUE ActBlue $20.24 08/05 ADYEN N.V. Adyen $12.50 08/31 AIDVANTAGE STUDENT LOAN Student Loan Repayment $185.50 08/31 ASPCA GIVING Recurring Animal Welfare Donation $19.00 May 10 ASTOUND*BROADBAND Astound Broadband 55.00 07/28 ATT*BILL AT&T monthly bill payment $65.00 Nov 05 ATT CONS PHONE PMT AT&T Consumer Payment $105.20 Jul 25 ATT*VTR AT&T Service Payment $65.00 Current AUSTIN ENERGY* CITY UTIL City of Austin Utility Bill Variable monthly bill 08/01 AUTHORIZE.NET* GATEWAY Authorize.Net Payment Gateway (Visa) $25.00 08/01 BOINGO* WIRELESS AIRPORT Boingo Wireless Hotspot Pass / Subscription $14.95 Mar 09 BOOST MOBILE *833-502-6678 Boost Mobile AutoPay $50.00 08/05 BRAINTREE Braintree $15.00 Oct 15, 2026 BRINKS HOME SECURITY Brinks Home $39.99 Aug 15 BWSC Payment Services Water Utility Payment $45.00 08/31 CA DMV ONLINE APP California DMV Online Payment $72.00 07/09 CASH APP *JORDAN R Cash App $25.00 Current CENTERPOINT* ENERGY ELEC CenterPoint Energy Utility Bill Variable monthly bill May 10 CENTURYLINK*AUTO PAY CenturyLink 65.00 08/31 CHARITY WATER Clean Water Charity Donation $30.00 08/01 CHASE* PAYMENT SOLN Chase Payment Solutions Merchant Acquirer $25.00 2023-11-15 CHW / CHOICE HOME WARRANTY Choice Home Warranty Premium or Service Fee 45.00 Any Date CINCH HOME SERVICES Cinch Home Services Home Warranty $28.00 - $150.00 08/01 CISCO* WEBEX CALLING Cisco Webex Cloud Calling & PBX Platform $90.00 08/01 CLOVER* POS NETWORK Clover Point-of-Sale Hardware & Payment Gateway $45.00 08/31 COLLEGE BOARD*AP EXAM Advanced Placement Exam Fee $98.00 07/22 COMCAST XFINITY Xfinity (Comcast) monthly bill $89.99 Current COMED* ELECTRIC UTILITY ComEd Electric Utility Bill Variable monthly bill Current CON EDISON* NY UTILITY Con Edison Electric & Gas Utility Variable monthly bill Apr 22 CONSUMER CELLULAR *888-345-5509 Consumer Cellular Bill Payment $35.00 May 10 COX COMM*CABLE/INT Cox Communications 99.99 Dec 01 CRICKET WIRELESS *855-246-2461 Cricket Wireless Auto Pay $55.00 07/09 CSC SERVICEWORKS ULT Laundry or air-vending machines $4.50 08/31 DC TREASURER District of Columbia Municipal Payment $125.00 08/01 DIALPAD* AI VOICE PHONE Dialpad AI Voice Business Phone Subscription $60.00 Current DOMINION ENERGY* POWER Dominion Energy Utility Payment Variable monthly bill 08/31 DONORBOX GIVING Nonprofit Donation via Software Gateway $30.00 07/18 DRI*SOFTWARE STORE A software seller billed via Digital River $59.88 Current DUKE ENERGY* ELEC PMT Duke Energy Utility Payment Variable monthly bill 08/31 EDFINANCIAL SERVICES Student Loan Repayment $215.00 08/01 8X8* WORK XCaaS 8x8 Work Unified Communications Subscription $85.00 Current EVERSOURCE* ENERGY UTIL Eversource Energy Utility Bill Variable monthly bill 08/31 FLHSMV ONLINE Florida Highway Safety and Motor Vehicles Payment $35.00 Current FPL* POWER AND LIGHT Florida Power & Light Utility Bill Variable monthly bill May 10 FRONTIER*INTERNET Frontier Communications 69.99 Aug 30, 2026 Frontpoint Frontpoint Security 49.99 06/22 FS *DEVTOOLS.CO A software product billed via FastSpring $79.00 08/31 GEICO AUTO PREM GEICO Auto Insurance Premium $85.00 Current GEORGIA POWER* ELEC SVC Georgia Power Electric Bill Variable monthly bill 08/31 GOFUNDME*DONATION Crowdfunding Campaign Contribution $20.00 May 10 GOOGLE*FIBER Google Fiber 70.00 08/01 GRASSHOPPER* VIRTUAL Grasshopper Virtual Phone Number Subscription $35.00 08/01 HEARTLAND* RESTAURANT Heartland Restaurant POS & Merchant Services $75.00 08/31 HEIFER INTERNATIONAL Global Poverty Charity Donation $120.00 08/01 HELCIM* INTERCHANGE Helcim Interchange-Plus Payment Gateway $0.00 07/03 IN *ACME SERVICES LLC A business that invoiced you via QuickBooks $285.00 Aug 01 INVOICE CLOUD InvoiceCloud Payment Processing $150.25 08/31 KIVA MICROFUNDS Micro-lending Platform Transaction $25.00 Aug 18 KUBRA EZ-PAY KUBRA Payment Processing $115.00 Current LADWP* WATER AND POWER LADWP Electric & Water Bill Variable monthly bill 08/31 LIBERTY MUTUAL EPAY Liberty Mutual Insurance Premium $145.50 08/01 LIGHTSPEED* POS COMM Lightspeed Cloud POS & Payment Platform $69.00 08/31 MAKE A WISH FOUNDATION Children's Charity Donation $20.00 May 10 MEDIACOM*CABLE/BB Mediacom Communications 79.99 08/01 MERCHANT ONE* GATEWAY Merchant One Gateway & POS Services $13.95 August 20, 2026 MERRY MAIDS Merry Maids Cleaning Services $150.00 Feb 14 MINT MOBILE *800-683-7392 Mint Mobile Bulk Prepaid Plan $90.00 08/31 MOHELA AUTO PAY Student Loan Repayment $210.00 08/31 MSF USA / DOCTORS W/O BOR Charitable Donation $20.00 Current NATIONAL GRID* UTILITY National Grid Electric & Gas Bill Variable monthly bill 08/31 NATURE CONSERVANCY Environmental Charity Donation $15.00 08/31 NAVIENT ED LOAN PAY Private Student Loan Payment $310.00 06/17 NAYAX VENDING A vending or self-service machine $3.25 08/31 NC DOR TAX PAYMENT North Carolina Department of Revenue Payment $150.00 08/31 NELNET LOAN SERV PAY Student Loan Payment $150.00 08/01 NEXTIVA* BUSINESS VOIP Nextiva Business Communications Platform Subscription $75.00 Current NICOR GAS* UTILITY PMT Nicor Gas Utility Bill Variable monthly bill 08/31 NJ MVC WEB FEE New Jersey Motor Vehicle Commission Payment $24.00 08/31 NPR SUSTAINING MEMBER Local Public Radio Membership $10.00 08/31 NYSDMV ONLINE TRANS New York DMV Online Transaction $64.50 08/01 OOMA* OFFICE PHONE SVC Ooma Office Cloud Phone Service Subscription $39.90 May 10 OPTIMUM*ONLINE Optimum / Altice USA 89.99 2026-08-25 ORKIN PEST CONTROL Orkin Pest Control Services 125.00 08/31 OXFAM AMERICA Global Poverty Charity Donation $15.00 06/08 PADDLE.NET* APPMAKER A software product billed via Paddle $29.00 07/22 PAI ISO An independent ATM $63.50 08/31 PAY.GOV U.S. Treasury Pay.gov Portal $50.00 08/01 PAYJUNCTION* PAPERLESS PayJunction Paperless Payment Gateway $10.00 08/01 PAYMENT DEPOT* MBR Payment Depot Membership Merchant Processing $79.00 Aug 10 PAYMENTUS CORP Paymentus Billing Solutions $210.50 07/10 PAYPAL INST XFER PayPal instant transfer $120.00 07/16 PAYPAL *NOVELTYSHOP A seller paid through PayPal $31.40 08/01 PAYROC* PROCESSING Payroc Merchant Processing & Gateway Services $49.95 08/31 PBS PASSPORT Public Television Membership Benefit $5.00 08/31 PEARSON VUE EXAMS Certification or Licensure Exam Fee $250.00 Current PG&E* UTILITY PAYMENT Pacific Gas and Electric Utility Variable monthly bill Current PGW* PHILA GAS WORKS Philadelphia Gas Works Utility Bill Variable monthly bill Aug 05 PNPBILLPAYMENT Point and Pay Processing $67.80 08/31 PROGRESSIVE INS PAY Progressive Insurance Premium $95.25 08/31 PROMETRIC TESTING Certification or Licensure Exam $180.00 Aug 11 PSN*UTILITY PAYMENT Payment Service Network Transaction $54.20 Current PUGET SOUND ENERGY* PSE Puget Sound Energy Utility Bill Variable monthly bill 08/31 PUSHPAY GIVING Church Tithe or Donation $100.00 08/06 RECURLY* BILL Recurly Subscription Billing Engine $19.95 08/31 AMERICAN RED CROSS Charitable Donation $25.00 08/01 REVEL SYSTEMS* POS Revel Systems Cloud iPad POS SaaS $99.00 Oct 05 RevTrak SV9T 8887171996 RVT School District Payment via RevTrak 45.00 08/01 RINGCENTRAL* MVP CLOUD RingCentral RingEX Cloud Telephony Subscription $90.00 08/31 SALLIE MAE ED LOAN Private Student Loan Payment $280.00 08/31 THE SALVATION ARMY Charitable Donation or Thrift Store Purchase $25.00 Current SEATTLE CITY LIGHT* PWR Seattle City Light Electric Bill Variable monthly bill Aug 12 SEW*COSD City of San Diego Sewer & Water $92.15 08/01 SHIFT4* PAYMENTS POS Shift4 Payments & SkyTab POS Processing $79.00 08/01 SHOPKEEP* POS RETAIL ShopKeep iPad Retail POS (Lightspeed) $49.00 Current SOCALGAS* GAS SERVICE SoCalGas Natural Gas Utility Variable monthly bill 07/18 SPECTRUM INTERNET Spectrum (Charter) monthly bill $69.99 08/01 SPOTON* TRANS RESTAURANT SpotOn Restaurant POS & Payment Gateway $65.00 07/26 SQ *DAILY GRIND CAFE A business that uses Square $6.75 08/01 SQ *INVOICE PAYMENT Square Invoicing Payment Gateway $120.00 Current SRP* POWER AND WATER AZ Salt River Project Utility Bill Variable monthly bill 08/31 ST JUDE CHILDRENS HOSP Recurring Charitable Donation $19.00 May 10 STARLINK*INTERNET Starlink 120.00 08/31 STATE FARM INS PAY State Farm Insurance Premium $112.00 08/31 STATE OF MD TAX PYMT Maryland State Tax Payment $210.00 08/01 STAX* SUBSCRIPTION POS Stax Subscription Merchant Processing (Fattmerchant) $99.00 08/05 STRP * Stripe $25.00 08/01 STRIPE* INVOICE PMT Stripe Invoicing Payment Processor $10.00 08/01 TALECH* POS REGISTER Talech Cloud POS Software (U.S. Bank / Elavon) $29.00 08/01 MSFT* TEAMS PHONE SYS Microsoft Teams Phone System & Calling Plan $90.00 08/01 TILL PAYMENTS* POS Till Payments Omnichannel POS Gateway $32.50 08/31 TITHE.LY GIVING Church Tithe or Offering $50.00 07/15 TMOBILE*AUTO PAY T-Mobile monthly bill payment $72.00 Oct 12 TMOBILE POSTPAID WEB T-Mobile Online Bill Payment $125.00 Aug 20 TMOBILE*VESTA T-Mobile Prepaid via Vesta $50.00 08/01 TOUCHBISTRO* REST POS TouchBistro iPad Restaurant POS SaaS $69.00 07/05 TST* RIVERSIDE DINER A restaurant that uses Toast $42.18 08/31 TWC TAX PYMT Texas Workforce Commission Unemployment Tax $320.00 08/05 2CO.COM 2Checkout (Verifone) $19.99 08/31 UNICEF USA Global Children's Charity Donation $15.00 08/01 UPSERVE* BY LIGHTSPEED Upserve Restaurant POS & Analytics (Lightspeed) $59.00 08/31 US COURTS PACER Public Access to Court Electronic Records Fee $30.00 08/31 USCIS IMMG FEE USCIS Immigrant Fee $220.00 08/31 USPS PO BOX RENEWAL United States Postal Service PO Box Rental $85.00 Aug 20 UTILNET-WPWR-EL Wholesale Power Electricity Payment $124.50 Aug 21 UTILNET-WPWR-NG Wholesale Power Natural Gas Payment $85.20 08/31 VAMOTORVEHICLES Virginia DMV Payment $55.00 07/23 VENMO *PAYMENT Venmo $45.00 May 10 VERIZON*FIOS Verizon Fios 89.99 Aug 31 VIVINT Vivint Smart Home Service or Equipment $39.99 08/01 VONAGE* BUSINESS CLOUD Vonage Business Communications (VBC) Subscription $80.00 Aug 15 VZWRLSS*APOCC Verizon Wireless $84.99 Sep 02 VZWRLSS*IVR Verizon Wireless Phone Payment $115.42 Current WASHINGTON GAS* UTILITY Washington Gas Utility Payment Variable monthly bill 08/31 WIKIMEDIA FOUNDATION Wikipedia Reader Donation $5.00 May 10 WINDSTREAM*COMM Windstream Holdings 60.00 08/05 WINRED WinRed $25.00 08/01 WORLDPAY* AP PAYMENT Worldpay Global Merchant Acquirer $30.00 06/13 WPY*FUNDRAISER A platform that bills through WePay $50.00 08/31 WWF*DONATION Conservation Charity Donation $12.00 Current XCEL ENERGY* UTILITY Xcel Energy Utility Bill Variable monthly bill 06/12 ZELLE PAYMENT TO ALEX M Zelle transfer $150.00
Procesadores de pago y prefijos
Los procesadores de pago actúan como el puente tecnológico invisible entre los comercios y tu entidad bancaria. Al comprar un café en una cafetería local o adquirir un programa informático a un desarrollador independiente, el pago no se envía directamente a ellos, sino a su procesador, que luego liquida los fondos.
Debido a esta arquitectura, la descripción que aparece en la tarjeta de crédito suele comenzar con un prefijo estandarizado que identifica a la pasarela, seguido de un asterisco y el nombre abreviado del comercio. Ejemplos habituales son 'SQ *' para Square, 'TST*' para Toast (frecuente en hostelería) y 'SP *' para Shopify.
Esta estructura resulta muy eficiente para pequeños negocios que no desean gestionar cuentas mercantiles directas con Visa o Mastercard, pero genera confusión en los consumidores. Un cargo como 'SQ *DAILY GRIND' puede resultar irreconocible si la razón social ('Daily Grind LLC') no coincide con el rótulo comercial ('Main Street Coffee').
En el entorno digital, plataformas como Paddle ('PADDLE.NET*'), Stripe y PayPal procesan pagos para miles de aplicaciones SaaS y creadores digitales. Al ver estos prefijos, la clave para identificar la transacción radica en observar los caracteres situados después del asterisco.
La mayoría de las pasarelas ofrecen herramientas de búsqueda de recibos en línea. Si tienes un cargo dudoso de Square o Paddle, puedes introducir los datos de la transacción en sus portales web para recuperar un recibo digital con la ubicación de la tienda, el desglose de artículos y los datos de contacto.
FAQ
¿Qué significa el asterisco (*) en mi extracto bancario?
El asterisco separa el prefijo de la pasarela de pagos (como SQ para Square) del nombre del comercio real. Indica que un procesador intermediario gestionó el cobro en nombre de un negocio.
¿Puedo disputar un cargo si solo reconozco la pasarela de pago?
Conviene identificar primero al comercio mediante el texto posterior al asterisco o usando el buscador de recibos de la pasarela. Disputar un cargo legítimo solo por no reconocer el prefijo puede perjudicar al pequeño comercio.
¿Por qué el negocio no utilizó simplemente su propio nombre?
Abrir una cuenta mercantil bancaria directa es costoso y complejo. Usar un facilitador como Stripe o Toast es mucho más accesible para pymes, aunque implique que figure el nombre de la plataforma en tu extracto.