Charge Explainer
TST* JOES PIZZA NEW YORK NYPP* EBAY SELLERSP* SHOPIFY*NETFLIX.COMDD *DOORDASH 800-123-4567AMZN MKTP US*A3K7P
ZOOM · SQ*
★ STATEMENT
04/12$24.50
SQ*BLUE BOTTLE
04/13$15.99
NETFLIX.COM
04/14$42.18
TST* JOES PIZZA
04/15$8.99
GOOGLE *YOUTUBEP
04/16$67.32
AMZN MKTP US
04/17$12.00
DD *DOORDASH
04/18$3.99
APL*ICLOUD
SQ *BLUE
§ 01 · DECODE

Decode that
weird charge.

Bank statements are written for accountants. We translate. No login, no cookies, nothing stored.

High confidence
Blue Bottle Coffee · Oakland, CA
Processed by Square · Coffee & Cafés
35
Processors mapped
103
Merchants explained
0
Cookies dropped
0
Accounts needed
§ 01 · DECODE§ 02 · TRY YOURS§ 03 · FIELD GUIDE§ 04 · FAMOUS§ 05 · QUIZscroll →
§ 02 · TRY YOURS

Paste a line straight off your statement.

The parser runs in the browser as you type. Hit explain — Claude grounds every answer in our prefix dictionary and hedges where it should.

We never see your account. Nothing is saved.
§ 2.5 · OR OPEN ONE OF THESE

Cached answers. Each is a real descriptor with a real result — no API call.

  • High confidence

    This appears to be a purchase at a Blue Bottle Coffee location in Oakland, CA, processed through Square.

    Most likely: Blue Bottle Coffee
    a specialty coffee shop · Oakland, CA
    Processed by: Square
    Square is a widely used payment processor for small and independent businesses. When you see 'SQ *' on a statement, Square handled the transaction on behalf of the actual seller — in this case, Blue Bottle Coffee.
    Category
    Food & Drink

    Doesn't look right? Things you could check:

    • Check your email for a receiptBlue Bottle Coffee often sends digital receipts via Square if you provided an email at the time of purchase.
    • Recall a recent visitBlue Bottle Coffee has several locations in Oakland, CA — thinking back to a recent coffee run may help confirm this charge.
    • Look up Blue Bottle Coffee locationsBlue Bottle Coffee's website lists all of its café locations, which could help you identify which specific store this was.
  • High confidence

    This charge appears to be a recurring subscription payment to Netflix, the video streaming service.

    Most likely: Netflix
    a video streaming subscription service
    Category
    Entertainment / Streaming

    Doesn't look right? Things you could check:

    • Check your Netflix accountLogging into Netflix.com can confirm your current plan, billing cycle, and the exact amount charged.
    • Look for a receipt emailNetflix typically sends a billing confirmation to the email address associated with your account around the charge date.
    • Check for shared accountsIf multiple family members use Netflix, someone else in your household may have set up or renewed the subscription.
    • Review your plan tierNetflix offers several pricing tiers — your account settings will show which plan is active and what it costs per month.
  • High confidence

    This charge is for a YouTube Premium subscription, billed through Google.

    Most likely: YouTube Premium
    a video streaming subscription service
    Processed by: Google
    Google handles billing for its own services and products. When you see 'GOOGLE *' on a statement, the part after the asterisk identifies which Google service or product was purchased — in this case, YouTube Premium.
    Category
    Streaming & Subscriptions

    Doesn't look right? Things you could check:

    • Check your Google accountYour subscription details and billing history for YouTube Premium can be found under your Google account's payments and subscriptions section.
    • Look for a receipt emailGoogle typically sends a receipt to the Gmail or email address associated with your Google account when a subscription renews.
    • Verify who in your household is subscribedIf you have a family plan or multiple Google accounts, the charge may be tied to a different account than the one you use most often.
  • High confidence

    This charge appears to be from Amazon Marketplace, the online shopping platform where you can buy products sold by Amazon or third-party sellers.

    Most likely: Amazon Marketplace (Amazon.com)
    an online retail marketplace
    Processed by: Amazon
    Amazon processes its own charges directly. The 'AMZN MKTP US' descriptor specifically indicates a purchase made through Amazon's US Marketplace, which covers both items sold by Amazon and those sold by independent sellers on the platform.
    Category
    Online Shopping

    Doesn't look right? Things you could check:

    • Check your Amazon order historyLogging into your Amazon account and reviewing recent orders is the quickest way to match this charge to a specific purchase.
    • Look for an order confirmation emailAmazon typically sends a confirmation email for every order, which would show the item, seller, and amount.
    • Check for Amazon subscriptionsCharges can also come from Amazon services like Prime, Kindle Unlimited, or Audible, which sometimes appear under similar descriptors.
§ 03 · FIELD GUIDE

Common confusing prefixes.

Those cryptic two- and three-letter codes? Almost always a payment processor.

Open the prefix index →
SQ*
Square
Square processes card payments for small and independent businesses.
TST*
Toast
Toast is a point-of-sale system used by restaurants and bars.
SP*
Shopify
SP* charges come from independent online stores that use Shopify to sell goods and proces…
PP*
PayPal
The payment was handled through PayPal.
DD*
DoorDash
DD* charges come from DoorDash, the food-delivery service.
OF*
OnlyFans
OF* charges come from OnlyFans, a subscription-based content platform.
APL*
Apple
APL* charges are billed by Apple for purchases through the App Store, iTunes, Apple subsc…
PAYPAL
PayPal
The payment was handled through PayPal.
STRIPE
Stripe
Stripe processes online payments for a wide range of businesses.
GOOGLE
Google
GOOGLE charges are billed by Google for purchases made through Google services — Google P…
AMZN
Amazon
An Amazon charge.
AMAZON
Amazon
An Amazon charge.
NETFLIX
Netflix
A charge from Netflix, the video streaming service.
SPOTIFY
Spotify
A charge from Spotify, the music streaming service.
UBER
Uber
An Uber charge.
LYFT
Lyft
A charge from Lyft, the rideshare service.
GRUBHUB
Grubhub
A charge from Grubhub, the food-delivery service.
SHOPIFY
Shopify
A SHOPIFY charge is usually Shopify billing a store owner for a Shopify plan or platform…
WIX
Wix
Wix bills for website hosting, domain names, and premium plans on its website-builder pla…
SQUARESPACE
Squarespace
Squarespace bills for website hosting, domains, and subscription plans on its website-bui…
PATREON
Patreon
A Patreon charge supports a creator you joined as a paying member.
SUBSTACK
Substack
A Substack charge is a paid subscription to a newsletter or writer published on Substack.
OPENAI
OpenAI
An OpenAI charge, typically for a ChatGPT subscription or API usage billed directly by Op…
ANTHROPIC
Anthropic
An Anthropic charge, typically for a Claude subscription or API usage billed directly by…
ADBL
Audible
An Audible charge — Amazon's audiobook service.
AUDIBLE
Audible
An Audible charge — Amazon's audiobook service.
AWS
Amazon Web Services
An Amazon Web Services charge — cloud hosting and developer infrastructure.
GITHUB
GitHub
A GitHub charge, typically for a paid plan, GitHub Copilot, or other developer-tool subsc…
NOTION
Notion
A charge from Notion, the notes and workspace app.
FIGMA
Figma
A charge from Figma, the design tool.
ZOOM
Zoom
A charge from Zoom, the video-conferencing service.
SLACK
Slack
A charge from Slack, the team-messaging service.
DROPBOX
Dropbox
A charge from Dropbox, the file-storage service.
MSFT
Microsoft
A Microsoft charge — it may be Microsoft 365, Xbox, OneDrive storage, or another Microsof…
ADOBE
Adobe
An Adobe charge, typically for a Creative Cloud or other Adobe software subscription bill…
Browse all 35
§ 04 · FAMOUS

What they look like — what they actually are.

Three charges that fool basically everyone the first time they see them.

  • OF *ONLYFANS.COM

    Most people think: a scam, or someone else using their card.

    Actually: a recurring OnlyFans subscription. The "OF" prefix is the brand, not an acronym.

  • AMZN MKTP US

    Most people think: a direct Amazon purchase.

    Actually: a third-party seller on Amazon's marketplace. For a refund, contact the seller — not Amazon.

  • TST* JOES PIZZA

    Most people think: a scam acronym ("test"?).

    Actually: Toast — a restaurant point-of-sale system. The merchant after TST* is the real seller.

§ 05 · QUIZ

Ten cryptic descriptors. Pick the real one.

Three multiple-choice options each. Most people score 5/10 the first time through.

Take the quiz →