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

The OPENAI *CHATGPT charge is the billing descriptor OpenAI uses when charging for ChatGPT Plus ($20/month), ChatGPT Teams, or other ChatGPT subscription plans. It confirms a payment was processed by OpenAI.

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

OpenAI uses the descriptor OPENAI *CHATGPT specifically to identify charges related to ChatGPT subscriptions, distinguishing them from other OpenAI products like API billing, which may appear differently on statements.

Can I get a refund for an OPENAI *CHATGPT charge?

OpenAI does offer refunds in certain cases, particularly for accidental renewals or unauthorized charges. Contact OpenAI support at help.openai.com promptly, as refund eligibility is typically time-sensitive.

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

Log into chat.openai.com, go to your profile icon, select 'My Plan,' then click 'Manage my subscription' and choose 'Cancel Plan.' Canceling before your renewal date will stop future OPENAI *CHATGPT charges.

How do I permanently stop OPENAI *CHATGPT charges from appearing on my card?

Cancel your ChatGPT subscription through your OpenAI account settings and remove your saved payment method under Settings > Billing. If charges continue, contact OpenAI support or request a new card number from your bank.

Home›Browse Charges›SaaS›OPENAI *CHATGPT

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

✓ Legitimate

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

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

OpenAI ChatGPT Plus

ChatGPT Plus monthly subscription.

OPENAI *CHATGPT

What is this charge?

When OpenAI processes payments for ChatGPT Plus subscriptions, the charge appears on your bank statement as OPENAI *CHATGPT because payment processors truncate long merchant names to fit within the standard 22-character limit used by card networks like Visa and Mastercard. The asterisk between OPENAI and CHATGPT is a common formatting convention used by Stripe, OpenAI's payment processor, to separate the parent company name from the specific product or service being billed. So if you signed up for the $20 per month ChatGPT Plus plan, this shortened descriptor is the expected way that charge will show up, even though the full product name is OpenAI ChatGPT Plus.

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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 OPENAI *CHATGPT charge reflects the monthly fee for this premium tier, so confirming your subscription status will immediately clarify whether the charge is expected.

Review your ChatGPT Plus billing history

Inside your OpenAI account settings, check the billing or subscription section to view your full payment history. This will show you the exact dates and amounts charged under OPENAI *CHATGPT, helping you match the charge on your bank statement to a specific billing cycle.

Manage or cancel your ChatGPT Plus plan

If you no longer wish to be billed for ChatGPT Plus, visit chat.openai.com and go to your account settings to manage your subscription. You can cancel the auto-renewal there to prevent future OPENAI *CHATGPT charges from appearing on your bank statement.

Check for multiple ChatGPT Plus accounts

If the OPENAI *CHATGPT charge seems unexpected, consider whether you or a family member may have signed up for ChatGPT Plus using a different email address. Visit openai.com and try logging in with any alternate emails to identify and consolidate any duplicate subscriptions you may be paying for.

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How to cancel OpenAI ChatGPT Plus

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

Cancel at OpenAI ChatGPT Plus

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Quick fraud check

No, this is a legitimate charge from OpenAI 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 "OPENAI *CHATGPT" on your statement is completely normal. Before assuming fraud, check your recent purchases — most mystery charges have a simple explanation.

Is the OPENAI *CHATGPT Charge Legitimate or Fraud?

If you see OPENAI *CHATGPT on your bank or credit card statement, this charge is almost certainly legitimate and originates from OpenAI, the company behind the popular ChatGPT AI assistant. This descriptor appears when you subscribe to ChatGPT Plus, ChatGPT Teams, or purchase API credits through OpenAI's platform.

Common reasons you may see the OPENAI *CHATGPT charge include:

A monthly or annual ChatGPT Plus subscription ($20/month) billed automatically by OpenAI
A ChatGPT Teams plan subscription billed per seat by OpenAI
A free trial conversion where OpenAI began billing after a promotional period ended
A family member or colleague who signed up for ChatGPT using your payment method
OpenAI API usage charges if you registered a developer account with your card

While most OPENAI *CHATGPT charges are valid, unauthorized charges can occur if your card details were compromised. Always verify the amount matches a known OpenAI plan before dismissing any concerns.

How to Verify the OPENAI *CHATGPT Charge

1
Log into your OpenAI account
Visit chat.openai.com or platform.openai.com and sign in. Navigate to Settings > Billing to review your active subscriptions and recent payment history from OpenAI.
2
Search your email for OpenAI receipts
Search your inbox for emails from 'no-reply@openai.com' or subject lines containing 'ChatGPT' or 'OpenAI receipt.' OpenAI sends a receipt email for every OPENAI *CHATGPT billing transaction.
3
Check with household or team members
Ask family members or colleagues if they signed up for ChatGPT Plus or a ChatGPT Teams plan using your shared payment method, as OpenAI allows multiple accounts per card.
4
Review your subscription manager
Check your browser or device subscription manager (e.g., Google Pay, Apple Pay) for any active OpenAI subscriptions that may have been set up and forgotten.
5
Contact your bank for transaction details
If the charge date or amount doesn't match any OpenAI plan you recognize, call your bank for the full merchant details attached to the OPENAI *CHATGPT transaction.

How to Dispute a OPENAI *CHATGPT Charge

1
Act within 60 days of the charge
Most banks require disputes to be filed within 60 days of the OPENAI *CHATGPT charge appearing on your statement. Acting quickly improves your chances of a full refund.
2
Contact OpenAI support first
Visit help.openai.com and submit a support request explaining the unauthorized or incorrect OPENAI *CHATGPT charge. OpenAI's billing team can often issue refunds directly and faster than a bank dispute.
3
File a chargeback with your bank
If OpenAI does not resolve the issue, contact your bank or card issuer and formally dispute the OPENAI *CHATGPT charge as unauthorized. Provide your email evidence and OpenAI correspondence.
4
Request a new card number
If you suspect your card was used fraudulently to create an OpenAI account, ask your bank to issue a new card number to prevent additional OPENAI *CHATGPT charges from occurring.