Is "TOPUP" fraud?

• Subscriptions: Users often subscribe to services that automatically charge their topup.cards account monthly, which can lead to unexpected charges.
• In-app Purchases: Charges may arise from purchases made within apps or games linked to the topup card.
• Failed Transactions: Some customers reported that declined transactions were attempted multiple times, resulting in multiple charges.
• Trial Periods: Some services offer free trials that convert to paid subscriptions if not canceled in time, leading to charges without clear notification.
• Automatic Reloads: Customers sometimes enable auto-reload features, which can result in larger than expected charges when funds are automatically added.
• International Transactions: Users may see charges due to currency conversion fees or international transactions from services they did not realize were based outside their home country.
• Pending Charges: Some users have mentioned seeing temporary holds or pending charges that appear as actual charges until they clear.
• Third-party Services: Charges can arise from third-party services linked to the card; if users are not aware of these, they may be surprised by transactions.
• Misunderstood Fees: Users sometimes report confusion over service fees or maintenance fees which can lead to unexpected deductions.

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

First, try to contact the topup.cards 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 topup.cards 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 topup.cards, 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.