CHATGPT PLUS — OpenAI Bank Charge Explained

CHATGPT PLUS on your bank statement is a transaction descriptor for OpenAI, a subscription company. OpenAI is the AI company behind ChatGPT, billing for ChatGPT Plus/Pro subscriptions and pay-as-you-go API usage. A fixed recurring amount is usually a subscription, while variable amounts are API usage charged in arrears.

What Is the CHATGPT PLUS Charge?

CHATGPT PLUS is a transaction descriptor for OpenAI, a subscription company.

OpenAI is the AI company behind ChatGPT, billing for ChatGPT Plus/Pro subscriptions and pay-as-you-go API usage. A fixed recurring amount is usually a subscription, while variable amounts are API usage charged in arrears. They typically appear as OPENAI or OPENAI*CHATGPT on your statement.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code CHATGPT PLUS is the official identifier that OpenAI registered with Visa or Mastercard.

Is the CHATGPT PLUS Charge Legitimate?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your OpenAI account to review recent activity.

How Do I Cancel or Dispute a CHATGPT PLUS Charge?

  1. Identify the charge: Confirm the charge is from OpenAI by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to OpenAI and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

What Other Names Does OpenAI Use on Bank Statements?

OpenAI may also appear on your statement as:

Frequently Asked Questions About CHATGPT PLUS

What is CHATGPT PLUS on my bank statement?

CHATGPT PLUS is a bank statement transaction code for OpenAI, a subscription company. OpenAI is the AI company behind ChatGPT, billing for ChatGPT Plus/Pro subscriptions and pay-as-you-go API usage. A fixed recurring amount is usually a subscription, while variable amounts are API usage charged in arrears. They typically appear as OPENAI or OPENAI*CHATGPT on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is CHATGPT PLUS a scam?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to check your email for a receipt, or log into your OpenAI account to review recent activity.

Why is CHATGPT PLUS on my bank statement?

CHATGPT PLUS appears on your statement because OpenAI processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel CHATGPT PLUS?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a CHATGPT PLUS charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

For more information about OpenAI and all its known transaction codes, visit the OpenAI merchant page.