Charge Explainer
§ 01 · DESCRIPTOR

What is SPOTIFY P0A1B2C3D4 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 appears to be a recurring subscription charge from Spotify, the music and podcast streaming service.

Most likely: Spotify
a music and podcast streaming service
Processed by: Spotify
Spotify bills subscribers directly — there is no third-party payment processor involved. The alphanumeric code after 'SPOTIFY' is a transaction reference ID used internally by Spotify.
Category
Music Streaming

Doesn't look right? Things you could check:

  • Check your email for a receiptChecking your inbox for a Spotify receipt or renewal email can confirm the billing date and plan type.
  • Review your Spotify accountLogging into spotify.com and visiting your account's subscription page will show your current plan and billing history.
  • Check for shared plan activityIf you share a household, another family member on a Spotify Family or Duo plan may have triggered a related charge.
  • Look for a free-trial conversionIf you don't recognize having an active subscription, your email history may show when a free trial converted to a paid plan.
WHAT THE DESCRIPTOR TELLS US

A charge from Spotify, the music streaming service. This is typically a recurring subscription billed directly by Spotify.

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RELATED DESCRIPTORS
  • SPOTIFY

    This charge is from Spotify, the music and podcast streaming service, and is most likely a recurring subscription payment.

  • SPOTIFY P0ABC12345

    This appears to be a recurring subscription charge from Spotify, the music and podcast streaming service.

  • SPOTIFY USA

    This charge is from Spotify, the music and podcast streaming service, most likely for a recurring subscription.

  • 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.

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