An “Everai” charge on your bank or credit card statement is almost always a subscription to Candy.ai, an AI companion platform that bills under the name of its payment entity, EverAI.1Candy.ai Help Center. What’s the Charge in the Billing Statement If you don’t remember signing up, the charge most often comes from a free trial that rolled into a paid subscription after the trial ended. You can stop future charges and try to recover the money you’ve already paid, but the right steps depend on how you subscribed and what kind of card was billed.
How the Charge Shows Up
The descriptor usually reads “EVERAI,” sometimes with a website reference like EVERAI.IO and sometimes with extra letters or numbers your bank appends as a transaction ID. The mismatch between the app name you’d recognize (Candy.ai) and the billing name (EverAI) is the main reason people flag the line as fraud when it isn’t.
Confirm What Happened Before You Act
Three situations cover most unexplained Everai charges: someone else in your household signed up on a shared device or card, you started a free trial and forgot about it before it converted, or your card details were used without your permission. Search your email inbox for messages from Candy.ai, EverAI, Apple, or Google Play. A confirmation email will tell you which account the subscription is tied to and which cancellation path applies.
How to Cancel the Subscription
Canceling stops future charges. It does not refund past ones, and you generally keep access through the end of the current billing period.
If you subscribed on an iPhone, the subscription lives in your Apple account, not inside the app. Open Settings, tap your name, tap Subscriptions, select the Everai or Candy.ai entry, and tap Cancel Subscription. You can also manage it at account.apple.com.2Apple. If You Want to Cancel a Subscription From Apple
If you subscribed on Android, open the Google Play app, tap your profile icon, go to Payments and Subscriptions, select the subscription, and cancel it.
If you signed up directly on the Candy.ai website, log into your account and cancel from your account settings, or contact the site’s support team.
Ask the App Store for a Refund First
If Apple billed you, go to reportaproblem.apple.com, sign in, choose “I’d like to,” select “Request a refund,” pick a reason, and select the charge.3Apple. Request a Refund for Apps or Content That You Bought From Apple Apple reviews each request on its own, and older charges are less likely to be approved. For Google Play, request a refund through the Google Play support page; its refund window is generally narrower.
Try the app store route before your bank. It is almost always faster.
Disputing the Charge with Your Bank
If the app store denies the refund, or the charge didn’t go through an app store at all, your next step is a formal dispute with your card issuer. The rules differ by card type.
Credit Cards
The Fair Credit Billing Act lets you dispute billing errors with your credit card issuer. Send written notice to the creditor’s billing inquiry address within 60 days of the statement date that first showed the charge, including your name, account number, the amount, and your reason. The creditor must acknowledge the dispute within 30 days and resolve it within two billing cycles, not to exceed 90 days. While the investigation is open, the creditor can’t try to collect the disputed amount or report it as delinquent.4Office of the Law Revision Counsel. United States Code Title 15 – Section 1666
Most issuers also take disputes by phone or app, but written notice preserves your full rights under the statute.
Debit Cards
Debit card charges fall under the Electronic Fund Transfer Act, and the protections are weaker. If your card was lost or stolen and you report it within two business days of discovering the loss, your liability caps at $50. Report between two business days and 60 days of your statement date, and the cap rises to $500. Miss the 60-day window, and there is no statutory limit on what you could lose.5Office of the Law Revision Counsel. United States Code Title 15 – Section 1693g
If the card itself wasn’t lost or stolen but an unauthorized charge appears, you aren’t liable for the unauthorized amount as long as you report it within 60 days of the statement being sent.
Deadlines That Decide Whether You Get Your Money Back
- Credit card charges: 60 days from the date the statement containing the charge was sent to file a written dispute with your card issuer.4Office of the Law Revision Counsel. United States Code Title 15 – Section 1666
- Debit card charges, card not lost or stolen: 60 days from the statement date to report the unauthorized transfer and avoid liability.5Office of the Law Revision Counsel. United States Code Title 15 – Section 1693g
- Debit card, card lost or stolen: two business days to cap liability at $50, 60 days from the statement date to cap it at $500, no cap after that.5Office of the Law Revision Counsel. United States Code Title 15 – Section 1693g
If the Signup or Cancellation Felt Deceptive
The Restore Online Shoppers’ Confidence Act makes it illegal for an online seller to charge you through a negative option feature (such as a free trial that auto-converts) unless the seller clearly disclosed all material terms before taking your billing information, obtained your informed consent before charging you, and offers a simple way to stop recurring charges.6Office of the Law Revision Counsel. United States Code Title 15 – Section 8403
The FTC’s Click-to-Cancel rule adds that cancellation must be as easy as signup. If you enrolled online, the company must let you cancel online; requiring a phone call to cancel a subscription you started with a click violates the rule.7Federal Trade Commission. Click to Cancel – The FTC’s Amended Negative Option Rule and What It Means for Your Business You can report a company you believe violated either rule at reportfraud.ftc.gov.