En résumé
This is a legitimate charge from Stripe.
What is the Stripe charge?
A charge labeled 'STRIPE' means you bought something from a business that uses Stripe as their backend payment processor.
Stripe handles transactions for millions of online stores, apps, and subscription services. The actual merchant's name was likely obscured by the payment gateway.
Identifying the Merchant
Stripe itself is not charging you; they are just the conduit for the money. Temporary $1.00 'pending' charges from Stripe are simply authorization holds to verify your card.
To find out who actually took your money, you must use Stripe's official 'Charge Lookup Tool' on their support website.
- Step 1 Go to support.stripe.com and use the 'Charge Lookup Tool'. Enter the exact date, amount, and your card details to reveal the merchant.
- Step 2 Once you know the merchant, contact them for a refund. If it is fraudulent, contact your bank to initiate a chargeback.
Why didn't the store's name appear on my statement?
Small businesses or newly configured websites often fail to set up their 'Statement Descriptor' correctly in Stripe, causing the default Stripe name to appear.
Dispute Rights & Fraud Prevention
If you suspect this charge is fraudulent or billing in error, you have strict federal rights protecting your account.
Always review your statement carefully and take action within 60 days.
What should I do if I don't recognize this charge?
First, check with family members or anyone authorized on your account. If the charge remains unrecognized, contact your bank immediately to report it. Under the Fair Credit Billing Act (FCBA), you have 60 days from the statement date to dispute unauthorized credit card charges.
How long does it take for a disputed charge to be removed?
Once you file a dispute, your bank must acknowledge it within 30 days and resolve it within two billing cycles (not exceeding 90 days). During this time, the disputed amount is usually placed on a provisional hold, meaning you do not have to pay it.
Répertoire indépendant non affilié à Stripe. Les libellés varient selon les banques.
Sources vérifiées
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov