A “32 Market” charge on your credit card is a purchase processed through Three Square Market, a company that runs self-checkout micro-market kiosks in workplace breakrooms, hospitals, hotels, campuses, and similar locations, and also handles deposits made through 32market.com. In most cases the charge is legitimate: someone with access to the card bought a snack or drink at an unstaffed kiosk, or used the website to send money or products to a person in a correctional facility.132Market. Break Room and Micro Market Technology
The reason it looks unfamiliar is simple. Because a kiosk or app processes the payment instead of a cashier, the merchant name on your statement is the technology provider, not the employer, building, or vending operator where the purchase actually happened.2Payments Dive. Cantaloupe Acquires Three Square Market
How the Charge Reads on Your Statement
For purchases inside the United States, the descriptor is 32Market.com. Some statements add the company’s location, so you may see “32 MARKET RIVER FALLS WI 54022” or similar. For transactions outside the United States, the local kiosk operator’s name usually appears in place of the 32Market.com descriptor.332Market. Terms of Use
Payments made on the 32market.com website are processed immediately and post under the same descriptor, whether the transaction was a product order or a deposit into someone else’s account.432Market. Conditions of Use
Why You Probably Don’t Recognize It
A few scenarios cover most unexpected 32 Market charges:
- You or someone in your household used a self-checkout kiosk at work and never connected the breakroom sandwich to the statement entry.
- Someone used 32market.com to deposit money into an inmate commissary account or to send products to a person in a correctional facility. Three Square Market’s affiliated business, TurnKey Corrections, provides commissary, video visitation, messaging, and money-management services to jails and prisons in more than 20 states.432Market. Conditions of Use5PRLog. Three Square Market and Serenity Vending Partner to Open the Newest Micro Market in Illinois
- A kiosk account tied to your card auto-loaded funds, or an older purchase only recently posted.
How to Identify or Dispute the Charge
Start with the people who share access to the card. A spouse, partner, roommate, or family member is the most common answer, and the small dollar amount typical of a snack or drink is a good clue.
If no one in the household recognizes it, contact the operator of the specific kiosk or market. Three Square Market’s terms direct transaction questions to that operator, whose name should be posted on or near the kiosk itself. If you can’t identify the operator, you can reach the company at 715-629-9770, toll-free at 1-833-32MARKET, or by email at dpo@tkc32m.com.332Market. Terms of Use
If the charge is genuinely unauthorized, dispute it with your card issuer. Under the Fair Credit Billing Act, you must send a written dispute to your credit card company’s billing-inquiry address within 60 days of the statement date. The issuer must acknowledge the complaint within 30 days and resolve it within 90 days. You are not required to pay the disputed amount while the investigation is pending, and the issuer cannot report you as delinquent on that charge. Federal law caps your liability for unauthorized credit card charges at $50.6Federal Trade Commission. Using Credit Cards and Disputing Charges
Refund Limits to Know Before You Call
Three Square Market’s refund terms are narrow. Deposits made through the website are non-refundable. Physical products bought for a third party cannot be returned. If a product you bought for yourself arrives defective, the company may replace it at its discretion, but does not issue cash refunds. For problems with an order placed on behalf of someone in a correctional facility, the company directs consumers to work through TurnKey Corrections rather than the 32market.com website.432Market. Conditions of Use
Who Owns the Charge Now
Ownership of Three Square Market has changed twice in recent years, which matters if you are trying to reach current support. Cantaloupe, Inc. acquired the company in December 2022.7CSP Daily News. Cantaloupe Inc. Acquires Three Square Market8Federal Trade Commission. FTC Takes Action to Protect Consumers From Anticompetitive Effects of Micromarket Kiosks Deal9PR Newswire. Seaga Manufacturing Acquires Three Square Market
Seaga’s general support line is 815-297-9500, staffed Monday through Friday, 8 a.m. to 5 p.m. Central. You can also email info@seaga.com.10Seaga Manufacturing. Contact Us