Is Merchant Surcharge Charge fraud?

• Subscriptions: Many users report being charged due to automatic renewals of subscriptions that they may have forgotten about or did not realize were set to auto-renew.
• Online Purchases: Charges can appear from one-time purchases made at online retailers that utilize Merchant Surcharge for payment processing.
• Trial Services: Users often mention getting billed after signing up for free trials that convert to paid memberships if not canceled in time.
• In-App Purchases: Charges can come from in-app purchases in mobile applications that integrate with merchant services.
• Payment Processing Fees: Some transactions may include additional fees due to the merchant's preference to use surcharge services for payment processing.
• Accidental Clicks: Users have experienced charges when they mistakenly click on promotional links that result in additional services or purchases.
• Family Member Transactions: Accounts shared with family members can lead to unexpected charges if another person orders products or subscribes to services without the account holder's consent.
• Memberships: Some users find unexpected charges from memberships in clubs or services where they signed up for a trial or discount offer.

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the merchantsurcharge.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the merchantsurcharge.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with merchantsurcharge.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.