Charge Explainer
§ 01 · DESCRIPTOR

What is SQ *TARTINE BAKERY SAN FRANCISCO CA 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 purchase at Tartine Bakery, a well-known bakery in San Francisco, CA, processed through Square.

Most likely: Tartine Bakery
a bakery and café · San Francisco, CA
Processed by: Square
Square is a widely used payment processor for independent and small businesses. When you see 'SQ *' on a statement, Square handled the transaction on behalf of the actual merchant — in this case, Tartine Bakery.
Category
Food & Dining

Doesn't look right? Things you could check:

  • Check your email for a receiptSquare often sends digital receipts to the email address on file at the time of purchase.
  • Recall a recent San Francisco visitTartine Bakery has locations in San Francisco's Mission and Dogpatch neighborhoods, so a recent trip there may explain this charge.
  • Review the transaction amountComparing the charge amount to typical bakery or café spending can help confirm whether it matches a purchase you remember.
WHAT THE DESCRIPTOR TELLS US

Square processes card payments for small and independent businesses. The name after SQ* is the actual seller — often a cafe, salon, food truck, or market vendor — not Square itself. After the SQ* prefix the descriptor reads “TARTINE BAKERY” — that leftover text is the most likely seller. It also carries a location — SAN FRANCISCO CA — which usually marks where the purchase happened.

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RELATED DESCRIPTORS
The SQ* prefix has its own page: What does SQ* mean on a statement?