How we verify charges

Who publishes this reference

UnknownCharges publishes the site. No named financial or legal specialist has reviewed the entire registry. We do not claim professional accreditation or independent expert approval. Information here is a starting point for checking your own records, not a determination that a transaction is authorized.

What a source does and does not establish

A merchant's billing document can establish a descriptor or payment procedure. A company homepage usually establishes only that the company exists. A regulator's dispute guidance explains general rules; it does not identify an unknown merchant. We distinguish these uses rather than treating two links as proof of every statement on a page.

New and revised records include source IDs, the date the document was checked, and a short note on the claim it supports. Claim notes disclose missing evidence. Open the linked source and compare it with your receipt, account history and statement before acting.

Evidence labels

• Descriptor identity documented: a relevant primary source explicitly connects the descriptor with the entity. This does not prove you authorized a particular charge.
• Descriptor identity corroborated: supporting evidence exists but direct descriptor documentation is incomplete. Read the stated limitation.
• Descriptor identity unconfirmed: the exact statement spelling or merchant relationship has not been established by the listed primary sources.
• Evidence review pending: a legacy record has not completed the current claim-level review. Older source lists and dates are not a new verification.

Review dates and confidence

An evidence check date records when the cited documents were inspected. It is not a publication date, an expert review or a guarantee that policies will stay the same. High confidence on newly reviewed records requires documented identity and source support for consequential claims. Where evidence is incomplete, the page must state that limitation and qualify its answer.

How the tools work

Search, CSV and PDF parsing, calculations and draft generation run in your browser. Matching uses programmed rules and a curated registry; it cannot establish authorization or eligibility for a refund. Automated checks test formatting, links and selected input/output cases. Those checks cannot verify the truth of merchant or legal claims.

Software and AI-assisted work may be used to prepare text, inspect sources and test the site. Assistance does not count as specialist review. We do not use fabricated cardholder experiences, credentials, testimonials or unsupported demand statistics.

Corrections

Email [email protected] with the affected page URL and a link to supporting evidence, or use Report a charge to prepare an email in your own mail app. Do not send full card numbers, bank credentials or unredacted statements. Preparing the email does not send it.

When a correction is published, the affected record includes a short description of the change and its evidence check date. We prioritize unsupported identity claims, invented contact details and misleading financial instructions. We do not refresh dates merely to make a page appear new.

Independence and funding

UnknownCharges is not affiliated with the listed merchants, banks or payment networks. The site is free and intended to be funded through clearly labeled advertising. A source citation is not an endorsement. Read our privacy policy for hosting requests and local storage.

Limits of this reference

This is informational, not financial or legal advice. Your own bank or merchant can inspect account-specific records that this site cannot access. Contact your issuer promptly about an unauthorized transaction; do not wait for a lookup result or a response from UnknownCharges.