UnknownCharges

Card Network & Electronic Payment Rail

POS DEBIT (Point of Sale Debit Transaction)

POS DEBIT
08/05 POS DEBIT CHIPOTLE 2456 NEW YORK NY $45.20

要約

POS DEBIT (Point of Sale Debit Transaction). POS DEBIT indicates a payment made directly using your debit card or mobile wallet at a retail card reader or online checkout gateway.

重要：このコードが意味しないもの

POS DEBIT is NOT a company, store name, or bank fee. It is a technical transaction rail descriptor. The actual store where you purchased goods or services is printed directly next to 'POS DEBIT' on your statement line.

POS DEBIT の詳細解説

POS DEBIT (Point of Sale Debit) is the standard line-item classification banks use to signify funds withdrawn from your checking account via a debit card purchase.

This occurs whenever you insert your chip, swipe your magnetic stripe, tap a contactless card, or use mobile wallets (Apple Pay, Google Pay) at a physical card reader, gas pump, restaurant terminal, or online merchant.

Under the Electronic Fund Transfer Act (EFTA / Regulation E, 12 CFR § 1005), consumers have statutory rights to dispute unauthorized debit card transactions with their bank within 60 days of the statement date.

実際の加盟店を特定する方法

  1. ステップ 1 Look at the text immediately adjacent to 'POS DEBIT' on your statement (e.g., 'POS DEBIT CHIPOTLE 1294' or 'POS DEBIT SHELL OIL').
  2. ステップ 2 Match the exact amount and date to in-person shopping receipts, mobile wallet transaction histories, or restaurant checks.
  3. ステップ 3 Check for pending transaction details in your online banking app, which often displays the store's full street address and phone number.

代表的な明細表記パターン

  • POS DEBIT CHIPOTLE 2456 NEW YORK NY
  • POS DEBIT TARGET T-0294 MINNEAPOLIS
  • POS DEBIT STARBUCKS STORE 08492
  • POS DEBIT EXXONMOBIL 94820491

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