OPENAI.COM 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.
OPENAI.COM 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 OPENAI.COM is the official identifier that OpenAI registered with Visa or Mastercard.
OpenAI 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 OpenAI account to review recent activity.
OpenAI may also appear on your statement as:
OPENAI.COM 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.
OpenAI 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 OpenAI account to review recent activity.
OPENAI.COM 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.
To stop OPENAI.COM charges from appearing on your statement, you need to cancel your OpenAI subscription or account. Log in to the OpenAI 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.
If you believe you have been charged incorrectly by OpenAI, 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.
OPENAI (also seen as OPENAI.COM, CHATGPT SUBSCRIPTION, or OPENAI *CHATGPT) is a charge from OpenAI, the company behind ChatGPT. If it's a recurring charge, it's almost always a ChatGPT subscription rather than a one-off. The statement shows "OpenAI," not "ChatGPT," which is the usual reason people don't immediately recognise it.
OpenAI's consumer plans include ChatGPT Plus at $20/month and ChatGPT Pro at $100 or $200/month, with a lower-cost Go tier in some regions. A recurring $20 charge is almost certainly ChatGPT Plus. Plans are billed monthly and renew automatically until cancelled. Because pricing is set in USD, non-US customers may see a currency-conversion element and slight month-to-month variation.
ChatGPT can be billed through three different systems depending on where you signed up, and this decides both what your statement says and where you must cancel. If you subscribed on the ChatGPT website, OpenAI bills you directly and the descriptor shows OpenAI. If you subscribed inside the iPhone app, Apple bills you and the charge shows as APPLE.COM/BILL. If you subscribed on Android, Google bills you and it shows as Google Play. So an "OPENAI" descriptor specifically means you subscribed directly on the web — and that's also the only place you can cancel it.
For a web (OpenAI-billed) subscription: sign in at chatgpt.com in a browser, go to Settings, then Billing or My Plan, and select Manage/Cancel subscription — this confirms your plan and renewal date. Access continues to the end of the current billing period. Important: if the charge is actually via Apple or Google, the cancel button won't appear here; you must cancel in your Apple ID → Subscriptions or Google Play → Subscriptions instead. Cancelling in the wrong place is the most common reason people keep getting charged.
OpenAI subscriptions are generally non-refundable for mid-cycle cancellations, though OpenAI may refund accidental charges if you ask within 14 days, and customers in the UK, EU and some other regions have a separate 14-day withdrawal right. OpenAI is a legitimate company, so an unrecognised charge is usually a forgotten subscription — but if your account shows no matching plan, or you've never used ChatGPT, contact OpenAI support and, failing that, dispute the charge with your bank and consider reissuing the card.
For more information about OpenAI and all its known transaction codes, visit the OpenAI merchant page.