Is Merchant Surcharge Payment fraud?

• Subscriptions: Some users report unexpected charges from recurring subscription services linked to merchant surcharge.
• Cancelled Trials: Many have experienced charges for services they thought they had cancelled before the trial period ended.
• Accidental Purchases: Users on forums have mentioned accidental clicks leading to purchases that resulted in surcharges.
• In-app Purchases: Charges from apps that have in-app purchases often show as merchant surcharges.
• Family Accounts: Some reported that charges appear due to family members using shared accounts without their knowledge.
• Free Services Becoming Paid: Several users noted instances where a previously free service changed to a paid model without sufficient notification, resulting in surcharges.
• Invoice Errors: A few customers discussed receiving inflated invoices that included merchant surcharge erroneously.
• Third-party Payment Processors: Charges may appear due to transactions processed through third-party services that are added to the total.

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information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time.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.