What exactly is the CHATGPT* charge on my bank statement?

The CHATGPT* charge is a billing descriptor used by OpenAI when processing payments for ChatGPT Plus subscriptions, Team plans, or API credits. The asterisk is added by the payment processor and is normal.

Why does the charge say CHATGPT* instead of just OpenAI or ChatGPT?

Payment processors often truncate or format merchant names with an asterisk, so CHATGPT* is simply how OpenAI's ChatGPT product appears on card statements — it originates from the same company.

Can I get a refund for a CHATGPT* charge?

OpenAI does offer refunds in certain cases, such as accidental renewals or duplicate charges. Contact OpenAI support at help.openai.com as soon as possible after seeing the CHATGPT* charge to request a refund.

How do I cancel my ChatGPT subscription to stop CHATGPT* charges?

Log into chat.openai.com, go to Settings > My Plan, and click 'Cancel Plan.' Once cancelled, the CHATGPT* recurring charge will stop at the end of your current billing period.

How do I stop future CHATGPT* charges if I no longer want the service?

Cancel your ChatGPT Plus or Team subscription through your account settings at chat.openai.com, and also check platform.openai.com to disable any API auto-reload settings that may trigger additional CHATGPT* charges.

Home›Browse Charges›SaaS›CHATGPT*

CHATGPT* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "CHATGPT*" charge is from ChatGPT Plus. ChatGPT Plus monthly subscription.

🌍 US🕐 7 min read📅 Updated May 22, 2026

ChatGPT Plus

ChatGPT Plus monthly subscription.

CHATGPT*

What is this charge?

OpenAI, the company behind ChatGPT Plus, uses a truncated billing descriptor format through Stripe, their payment processor, which applies a character limit to merchant names as they appear on bank and credit card statements. The "CHATGPT*" prefix followed by additional characters is a common result of this truncation, where the asterisk acts as a separator between the brand name and a transaction identifier or product code. If you signed up for the $20.00 monthly ChatGPT Plus subscription, this descriptor is the expected way that charge will show up rather than the full product name.

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How to handle this charge

Confirm Your ChatGPT Plus Subscription

Log in to your account at openai.com and navigate to your account settings to verify that you are actively subscribed to ChatGPT Plus. The CHATGPT* charge on your bank statement corresponds to the monthly fee for this subscription, so confirming it exists in your account rules out any billing error.

Check the Charge Amount and Date

Compare the amount and billing date of the CHATGPT* charge against your ChatGPT Plus subscription details in your OpenAI account. ChatGPT Plus bills on a recurring monthly cycle, so the date should align with your original sign-up date each month.

Review Who Has Access to Your OpenAI Account

If the CHATGPT* charge is unexpected, check whether a family member or colleague may have signed up for ChatGPT Plus using your payment method. Visit openai.com to review account activity and ensure no unauthorized person is using a subscription tied to your card.

Cancel ChatGPT Plus If No Longer Needed

If you no longer want to be billed for ChatGPT Plus, visit chat.openai.com, go to your account settings, and select the option to cancel your subscription. Canceling before your next billing date will stop future CHATGPT* charges from appearing on your bank statement.

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How to cancel ChatGPT Plus

ChatGPT Plus bills you Monthly. To stop future charges, cancel from your account directly.

Cancel at ChatGPT Plus

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Quick fraud check

No, this is a legitimate charge from ChatGPT Plus. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

ℹ️ Note

In most cases, seeing "CHATGPT*" on your statement is completely normal. Before assuming fraud, check your recent purchases — most mystery charges have a simple explanation.

Is the CHATGPT* Charge Legitimate or Fraud?

If you've spotted a CHATGPT* charge on your bank or credit card statement, it is most likely a legitimate billing from OpenAI's ChatGPT service. This charge typically appears when you have signed up for a ChatGPT Plus subscription ($20/month), a ChatGPT Team plan, or have used ChatGPT's API or pay-as-you-go credits. The asterisk in CHATGPT* is a standard merchant descriptor formatting used by payment processors and does not indicate anything suspicious on its own.

Common reasons you might see a CHATGPT* charge include:

An active ChatGPT Plus monthly subscription renewal at $20/month billed by OpenAI
A ChatGPT Team or Enterprise plan billed per seat on a monthly or annual cycle
API usage credits purchased through the OpenAI platform associated with your CHATGPT account
A free trial conversion where your CHATGPT subscription automatically renewed after a promotional period ended

How to Verify the CHATGPT* Charge

1
Log into your ChatGPT account
Visit chat.openai.com and sign in. Navigate to Settings > My Plan or Billing to review your active CHATGPT subscription and see recent payment history.
2
Search your email for receipts
Search your inbox for emails from 'openai.com' or 'noreply@openai.com'. OpenAI sends a receipt every time a CHATGPT* charge is processed to your card.
3
Check if a household member signed up
Ask family members or colleagues if they used your payment method to sign up for a CHATGPT Plus or ChatGPT Team plan, as shared cards are a common source of surprise charges.
4
Review your OpenAI API usage
If you're a developer, log into platform.openai.com and check your usage dashboard. API credits tied to your CHATGPT account can generate CHATGPT* charges separate from subscriptions.
5
Contact your bank for transaction details
Call the number on the back of your card and ask for the full merchant details behind the CHATGPT* charge, including the exact date and transaction ID, to help confirm or dispute it.

How to Dispute a CHATGPT* Charge

1
Act within 60 days of the charge
Most banks require disputes to be filed within 60 days of the CHATGPT* charge appearing on your statement. Don't wait — gather your evidence and act promptly.
2
Contact ChatGPT support first
Visit help.openai.com and submit a support request explaining the unauthorized CHATGPT* charge. OpenAI may issue a refund directly, which is faster than a bank chargeback.
3
File a chargeback with your bank
If OpenAI does not resolve the issue, contact your bank or card issuer and formally dispute the CHATGPT* charge as unauthorized. Provide any email receipts or account screenshots as evidence.
4
Request a new card number
If the CHATGPT* charge appears fraudulent and you did not authorize it, ask your bank to issue a new card number to prevent any further unauthorized charges from appearing.