A charge from AuthCapture.com on your bank or credit card statement is a payment processed by Auth Capture LLC, a third-party billing company, on behalf of an online merchant you bought from or subscribed to. Auth Capture doesn’t sell anything itself. The merchant’s real name doesn’t appear on your statement because the processor’s descriptor takes its place, which is why the charge can look unfamiliar even when you authorized it.
What Auth Capture Actually Is
Auth Capture LLC sits between you and the business that provided the service. When a website uses Auth Capture for billing, your statement shows “AUTH CAPTURE LLC” or “authcapture.com” rather than the merchant’s own name. That arrangement is common in e-commerce, and it’s especially common with subscription-based digital content: online dating platforms, adult entertainment sites, and similar services.
One practical consequence for you: recognizing the charge requires figuring out which merchant is behind it. Start there before you call the bank.
Find the Merchant Behind the Charge
Search your email inbox and spam folder for messages from “authcapture.com.” Confirmation emails from the processor typically name the merchant, list the transaction details, and link to an account portal where you can manage the subscription.1AuthCapture. Unknown Transaction
If nothing turns up, note the exact dollar amount and date from your statement, then look back through prior months. A recurring amount hitting on the same day each month points to a subscription rather than fraud. Those details also help if you contact Auth Capture’s support through the form on their website.1AuthCapture. Unknown Transaction
Cancel the Subscription
Once you know which merchant is charging you, cancel directly on that merchant’s site or through the account portal linked in Auth Capture’s email. Save any confirmation number or email the merchant sends. That confirmation is your evidence if charges continue.
Federal law backs you up here. The Restore Online Shoppers’ Confidence Act makes it illegal for an online business using a subscription or automatic renewal model to charge your card without first disclosing the material terms, getting your clear consent, and offering a simple way to cancel.2Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet A cancellation process that’s dramatically harder than signup is a potential violation. Many states add their own automatic renewal rules requiring advance notice before each renewal, generally 7 to 60 days depending on the state.
Dispute a Credit Card Charge
If the merchant won’t refund you, or the charge is genuinely unauthorized, take it to your card issuer. The Fair Credit Billing Act lets you dispute billing errors, including charges you didn’t authorize, charges for goods or services you never received, and charges showing the wrong amount or date.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
A few requirements trip people up. The dispute has to be in writing and sent to the issuer’s billing inquiries address, which is not the same as the payment address. Include your name and account number, identify the charge and the amount, and explain why you believe it’s an error. Calling the issuer first is fine, but the FCBA’s formal protections only apply once you follow up in writing.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Watch the deadline. Your written notice must reach the creditor within 60 days of the statement date showing the disputed charge. Miss that window and you lose FCBA protections for that charge. Once the issuer receives the dispute, it has 30 days to acknowledge it and must resolve the investigation within two billing cycles, not to exceed 90 days.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
One common misconception: the FCBA does not require a charge to exceed $50 before you can dispute it. Any amount is disputable. The $50 in the statute is something else entirely, the maximum penalty a creditor forfeits if it fails to follow the dispute procedures properly.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Dispute a Debit Card Charge
Debit cards fall under a different law with weaker protections, and the timing matters more because the money has already left your account. The Electronic Fund Transfer Act and Regulation E govern debit disputes.
Your maximum liability for an unauthorized debit transaction is $50 if you report it within two business days of learning about it. Report after two business days but within 60 days of your statement, and the cap rises to $500. Wait more than 60 days after the statement and you could lose everything the unauthorized transfers took.4Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
Once you report the error, the bank has 10 business days to investigate. It can extend the investigation to 45 days only if it provisionally credits your account within that initial 10-day window so you have access to the disputed funds while the review continues.5Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution If the bank finds an error, it must correct it within one business day.6Consumer Financial Protection Bureau. Procedures for Resolving Errors
If the Charge Is Actually Fraud
If the charge isn’t a forgotten subscription and someone else used your card information, treat it as fraud, not a billing dispute. Fraud calls for faster action and additional protective steps.
Call your bank or card issuer right away and ask them to freeze or cancel the compromised card and reissue it with a new number. That stops further charges while the investigation runs. Then scan recent statements for other charges you don’t recognize, because stolen card details are rarely used just once.
Consider placing a fraud alert with one of the three major credit bureaus (Equifax, Experian, or TransUnion). The bureau you contact is required to notify the other two. A fraud alert makes it harder for someone to open new accounts in your name, which matters if the card theft is part of a broader identity compromise. For credit cards, federal law caps your liability for unauthorized charges at $50, and most major issuers waive even that.
Keep records of every step: the date you noticed the charge, who you spoke with, any reference numbers, and copies of written correspondence. If the dispute escalates, that paper trail is what carries the case.