Charge Explainer
§ 01 · DESCRIPTOR

What is SUBSTACK INC on your bank statement?

Here's what this charge most likely is, grounded in our prefix dictionary and what the descriptor itself contains.

High confidence

This charge is from Substack, a platform for paid newsletter subscriptions — you most likely subscribed to a writer or publication hosted there.

Most likely: Substack
a newsletter and creator platform
Processed by: Substack
Substack is both the platform and the billing entity — when a descriptor reads 'SUBSTACK INC' without a publication name, it means Substack itself processed and appears on the charge on behalf of a newsletter you subscribe to. The specific publication isn't shown here.
Category
Newsletter Subscription

Doesn't look right? Things you could check:

  • Check your email for a receiptSubstack sends a receipt email for every charge — searching your inbox for 'Substack' may identify the specific newsletter.
  • Review your Substack subscriptionsLogging in at substack.com shows all your active paid subscriptions and their billing amounts.
  • Match the amount to a subscriptionIf you've subscribed to multiple Substack newsletters, comparing the charge amount to each subscription's price can help identify which one this is.
WHAT THE DESCRIPTOR TELLS US

A Substack charge is a paid subscription to a newsletter or writer published on Substack. The name shown is usually the publication. After the SUBSTACK prefix the descriptor reads “INC” — that leftover text is the most likely seller.

Check a different charge

Paste your own variant of this descriptor — the result appears right here.

We never see your account. Nothing is saved.
RELATED DESCRIPTORS
  • SUBSTACK.COM

    This charge is a paid subscription to a newsletter or publication hosted on Substack.

  • SUBSTACK*PUBLICATION

    This appears to be a recurring subscription charge for a paid newsletter or publication hosted on Substack.

  • ACH WEB PYMT BILLPAY

    This appears to be an electronic bill payment made through your bank's online bill pay service via the ACH network.

  • ADBL*AUDIOBOOK PURCHASE

    This appears to be a charge from Audible for a one-time audiobook purchase.

The SUBSTACK prefix has its own page: What does SUBSTACK mean on a statement?