OBSIDIAN — Obsidian Bank Charge Explained

OBSIDIAN on your bank statement is a transaction descriptor for Obsidian, a subscription company. Obsidian is a local-first knowledge base and note-taking app that is free for personal use. A charge is usually for optional add-ons such as Sync or Publish, or a commercial licence, billed as a subscription.

What Is the OBSIDIAN Charge?

OBSIDIAN is a transaction descriptor for Obsidian, a subscription company.

Obsidian is a local-first knowledge base and note-taking app that is free for personal use. A charge is usually for optional add-ons such as Sync or Publish, or a commercial licence, billed as a subscription. It typically appears as OBSIDIAN 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 OBSIDIAN is the official identifier that Obsidian registered with Visa or Mastercard.

Is the OBSIDIAN Charge Legitimate?

Obsidian 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 Obsidian account to review recent activity.

How Do I Cancel or Dispute a OBSIDIAN Charge?

  1. Identify the charge: Confirm the charge is from Obsidian 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 Obsidian and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact Obsidian 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 OBSIDIAN 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 Obsidian Use on Bank Statements?

Obsidian may also appear on your statement as:

Frequently Asked Questions About OBSIDIAN

What is OBSIDIAN on my bank statement?

OBSIDIAN is a bank statement transaction code for Obsidian, a subscription company. Obsidian is a local-first knowledge base and note-taking app that is free for personal use. A charge is usually for optional add-ons such as Sync or Publish, or a commercial licence, billed as a subscription. It typically appears as OBSIDIAN on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is OBSIDIAN a scam?

Obsidian 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 Obsidian account to review recent activity.

Why is OBSIDIAN on my bank statement?

OBSIDIAN appears on your statement because Obsidian 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 OBSIDIAN?

To stop OBSIDIAN charges from appearing on your statement, you need to cancel your Obsidian subscription or account. Log in to the Obsidian 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 OBSIDIAN charge?

If you believe you have been charged incorrectly by Obsidian, 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 Obsidian and all its known transaction codes, visit the Obsidian merchant page.