INSTACART — Instacart Bank Charge Explained

INSTACART on your bank statement is a transaction descriptor for Instacart, a food & drink company. Instacart is a grocery delivery and pickup service in the US and Canada, with an Instacart+ membership. Charges are per order plus fees and tips, while a fixed amount is likely Instacart+.

What Is the INSTACART Charge?

INSTACART is a transaction descriptor for Instacart, a food & drink company.

Instacart is a grocery delivery and pickup service in the US and Canada, with an Instacart+ membership. Charges are per order plus fees and tips, while a fixed amount is likely Instacart+. They typically appear as INSTACART 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 INSTACART is the official identifier that Instacart registered with Visa or Mastercard.

Is the INSTACART Charge Legitimate?

Instacart is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Instacart account to review recent activity.

How Do I Cancel or Dispute a INSTACART Charge?

  1. Identify the charge: Confirm the charge is from Instacart 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 Instacart and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact Instacart customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the INSTACART transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

What Other Names Does Instacart Use on Bank Statements?

Instacart may also appear on your statement as:

Frequently Asked Questions About INSTACART

What is INSTACART on my bank statement?

INSTACART is a bank statement transaction code for Instacart, a food & drink company. Instacart is a grocery delivery and pickup service in the US and Canada, with an Instacart+ membership. Charges are per order plus fees and tips, while a fixed amount is likely Instacart+. They typically appear as INSTACART on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is INSTACART a scam?

Instacart is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Instacart account to review recent activity.

Why is INSTACART on my bank statement?

INSTACART appears on your statement because Instacart 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 INSTACART?

To stop INSTACART charges from appearing on your statement, you need to cancel your Instacart subscription or account. Log in to the Instacart website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

How do I get a refund for a INSTACART charge?

If you believe you have been charged incorrectly by Instacart, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

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