An adltime1 charge on your bank or credit card statement comes from Gamma Entertainment, a company that runs a large network of adult content websites. The billing itself is handled by a third-party payment processor, usually Segpay or Epoch, which is why the descriptor doesn’t match any site name you recognize. If you don’t remember signing up for anything, you’re almost certainly looking at a forgotten trial that converted to a monthly subscription, or at someone else using your card. Either way, you can cancel it, dispute what’s already been charged, and shut off future billing.
Who Is Actually Billing You
The adltime1.com site is owned by Gamma Billing Inc. in Santa Clarita, California, and lists Digigamma BV and Gamma Entertainment as its content suppliers.1Adltime1.com. Welcome to Adltime1.com Gamma Entertainment operates hundreds of adult sites across the industry.2Gamma Entertainment. Welcome Those sites don’t process payments themselves. They route billing through Segpay, which they identify as their authorized payment processor, or Epoch, identified as an authorized sales agent.
That layered setup matters for one practical reason: you won’t find a cancellation button on the content site. You cancel with the processor that actually took your money.
Why the Name on Your Statement Looks Nothing Like a Website
Adult merchants use vague billing descriptors on purpose. The point isn’t to hide the charge from you. It’s to keep anyone else who glances at your statement from knowing what the purchase was. Visa and Mastercard allow this as long as the merchant can still identify the charge when you ask about it. The side effect is predictable. A discreet descriptor protects your privacy today and leaves you staring at an unfamiliar line item three months later.
Most of these charges start with a cheap trial. A site offers a few days of access for a dollar or two, and the terms say it converts to a full monthly subscription (often somewhere between $29.99 and $49.99) unless you cancel before the trial ends. Sign up quickly, forget about it, and the recurring charge can run for months before anyone notices.
Pin Down the Exact Subscription First
Before you call anyone, gather the transaction details from your statement: the exact date the charge posted, the dollar amount, and the last four digits of the card. If you can figure out the email address you’d have used when signing up for things around that time, add that to the pile. The processors use these details to find your account.
Then search your email, including spam and trash, for anything from Segpay, Epoch, or any adult website. Trial signups almost always generate an automated receipt. That receipt names the specific site and includes a purchase ID, and it usually solves the mystery faster than any phone call.
Cancel Through Segpay or Epoch
Because adltime1 billing runs through Segpay or Epoch, you cancel with whichever one handled your payment. Check your statement or your confirmation email to see which name appears.
Through Segpay
Segpay runs a consumer self-service portal at cs.segpay.com where you can cancel by email, phone, or live chat. To verify your identity, you need at least two of these three: the credit card used at signup, the email address used at signup, or the purchase ID from your confirmation email. You can also call 1-866-450-4000 in the U.S. or +1-954-414-1610 internationally, or email support@segpay.com.3Segpay. How to Cancel Your Secure Segpay Payment Account
Through Epoch
If Epoch processed the payment, go to epoch.com to manage the membership. By phone, Epoch is at 1-800-893-8871 toll-free or 1-310-827-9939 internationally, and the email contact is billing@billingsupport.com. After cancellation you keep access through the end of the paid period and should get a confirmation email. If it doesn’t show up within a few minutes, check your spam folder.
Save Everything
Screenshot the cancellation page. Keep the confirmation email, any ticket or reference numbers, and the date and time of the request. If charges continue after you cancel, that paper trail is what turns a frustrating phone call with your bank into a successful chargeback. Without it, you’re asking the bank to take your word over the merchant’s, and banks don’t do that often.
Dispute the Charges That Already Hit
If the merchant kept billing after you canceled, or if you never authorized the charge in the first place, federal law backs you up. How much it backs you up depends on which card got hit.
Credit Card
Your maximum liability for unauthorized credit card charges is $50, and most issuers waive even that under zero-liability policies.4Office of the Law Revision Counsel. 15 US Code 1643 – Liability of Holder of Credit Card The Fair Credit Billing Act gives you 60 days from the date your statement was sent to notify your card issuer of a billing error in writing. Once the issuer gets that notice, it has 30 days to acknowledge it and must correct the error or explain why the charge stands within two billing cycles, and no more than 90 days.5Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors During the investigation, the creditor can’t try to collect the disputed amount or report it as delinquent.
That 60-day window is the number to remember. If adltime1 has been running on your card for months, you can still dispute the most recent charge, but older ones become much harder to recover.
Debit Card
Debit card protections are weaker, and timing changes everything. Under the Electronic Fund Transfer Act, liability for unauthorized debit transactions works on a sliding scale:6Office of the Law Revision Counsel. 15 US Code 1693g – Consumer Liability
- Report within 2 business days of learning about the unauthorized use, and your liability caps at $50 or the amount transferred, whichever is less.
- Report after 2 business days but within 60 days of the statement, and liability can rise to $500.
- Report after 60 days from the statement, and the bank has no obligation to reimburse anything that posted after that window closed. Exposure is essentially unlimited for that uncovered period.
If adltime1 hit a debit card and you didn’t authorize it, call your bank the same day you spot it.
Filing the Dispute
Call your bank’s fraud or dispute line and tell them whether this is an unauthorized charge (someone else used your card) or a billing error (you canceled but got charged anyway). That distinction decides which set of federal rules governs the investigation. For credit card disputes, the issuer typically posts a temporary credit while it works, and the investigation must finish within two billing cycles or 90 days.5Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors For debit disputes under Regulation E, the bank generally must issue a provisional credit within 10 business days and finish within 45 calendar days, with longer windows for new accounts or certain point-of-sale transactions. Miss those deadlines, and the provisional credit becomes permanent. Hand over your cancellation confirmation, screenshots, contact dates, and any ticket numbers. The thicker the file, the faster this moves.
Stop Future Charges Reaching Your Card
Canceling the subscription should end the billing. Sometimes it doesn’t, and card-on-file systems can keep a stale authorization alive longer than you’d expect. The most reliable fix is to call your bank and request a new card number. Ask specifically for a “security close” on the old number: that shuts the old number down so nothing can bill against it, while keeping the underlying account open so your credit history isn’t affected.
One more thing to ask: tell the bank not to enroll the new number in account updater services. Card networks run automated programs that push your new card details to merchants who had your old number on file, which defeats the whole point of changing it. Not every bank will agree, but it’s worth the ask. You’ll need to update legitimate subscriptions, like streaming or a gym, since those stop working with the old number too.
If the charge turns out to be outright fraud, the bank will usually cancel the card and issue a replacement as part of the fraud investigation without you asking.
Where Federal Subscription Rules Stand Right Now
The FTC’s “Click-to-Cancel” rule, which would have required merchants to make canceling as easy as signing up, was vacated by a federal appeals court in July 2025 and never took effect. As of 2026, the FTC has restarted the process with an Advance Notice of Proposed Rulemaking, but nothing is in force yet. In the meantime, the Restore Online Shoppers’ Confidence Act still requires online merchants to clearly disclose recurring charge terms before you agree and to provide a simple cancellation method, and Section 5 of the FTC Act prohibits unfair or deceptive practices, which can include deliberately obstructive cancellation. Neither law lets you sue the merchant yourself, but the FTC can act on patterns of complaints. If normal channels fail you, filing at ftc.gov/complaint puts your experience in the record the agency uses to decide where to enforce.7Federal Trade Commission. Fair Credit Billing Act