A LibroTech charge on your card is almost always a Headway subscription. LibroTech, Inc. is the merchant of record that processes payments for the Headway app, which sells book summaries and personal development content, so its name is what your bank posts to your statement even though you signed up for something called Headway.1Headway. Terms and Conditions of Use
Why the Name on Your Statement Doesn’t Match the App
LibroTech isn’t a consumer product. It sits behind Headway as the payment-processing entity, and Headway’s own terms name it as the company authorized to handle payments made through the website.1Headway. Terms and Conditions of Use That mismatch is why most people don’t recognize the charge. You may have downloaded Headway weeks or months earlier, entered card details for a free trial, and forgotten about it before the first real charge posted.
How the Charge Appears
Banks truncate and reformat merchant names, so the entry can read as LIBROTECH, LIBRO TECH, LIBROTECH INC, or LIBROTECH.COM, sometimes with a transaction ID or a generic tag like “Digital Goods” attached. Different card issuers display the same merchant differently.
Before doing anything else, search your email inbox for “Headway” or “LibroTech.” A welcome message or subscription receipt will usually turn up faster than trying to decode the bank line, and it will tell you exactly which account and email address the charge is tied to.
Why the Charge Showed Up
The most common reason is a free trial that converted to a paid subscription. Headway offers trial periods that roll into recurring billing unless you cancel before the trial ends, and the card you entered at signup is treated as authorization once the trial closes.
A few other possibilities:
- An annual plan renewing 12 months after signup, when you haven’t seen the merchant name in a year.
- A family member or child who downloaded the app and entered your card without telling you.
- A genuinely unauthorized charge, if nobody with access to your card signed up.
How to Cancel
Canceling stops future charges. The steps depend on where you originally signed up.
If you subscribed through the Headway website, log in, open your account settings, find the subscription section, and cancel from there. Keep the confirmation email.
If you subscribed through Apple’s App Store or Google Play, Headway can’t cancel for you because those billing relationships sit with Apple and Google. On an iPhone, go to Settings, tap your name, then Subscriptions, and cancel Headway. On Android, open the Google Play Store app, tap your profile icon, then Payments and Subscriptions, and cancel the Headway entry.
Canceling does not refund past charges. If you want money back on a recent charge, contact Headway’s support team with the transaction date, amount, and the email tied to your account.
Disputing the Charge With Your Bank
If Headway won’t refund you, or the charge is genuinely unauthorized, you can dispute it with your credit card issuer under the Fair Credit Billing Act. Send written notice to the issuer with your name, account number, the charge amount, and why you believe it’s an error. The creditor must acknowledge the notice in writing within 30 days and has up to two billing cycles, but no longer than 90 days, to either correct your account or explain why it considers the charge valid.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
While the dispute is open, you don’t have to pay the disputed amount or finance charges on it, and the creditor can’t send it to collections or report it as delinquent. You still owe the rest of your bill.
One thing to know before you file: if you win a chargeback on a digital subscription, the merchant will almost certainly revoke your access immediately. That’s fine if the charge was unauthorized. It matters if you knowingly signed up and just want your money back.
The 60-Day Deadline
Your written dispute must reach the card issuer within 60 days after it sent the first statement showing the charge.3Consumer Financial Protection Bureau. Regulation Z – 1026.13 Billing Error Resolution Miss that window and you lose the statute’s protections, though your issuer may still investigate under its own policies.
The clock starts when the statement is sent, not when you notice the charge. A converted free trial that first billed in January doesn’t qualify for a formal FCBA dispute if you don’t catch it until June. If you rely on autopay, review your statements at least once a month.
What to Have Ready Before You Call
Whether you’re contacting Headway support or your bank, gather:
- The exact date the charge posted.
- The precise dollar amount, including any tax.
- The last four digits of the card that was charged.
- The email address you may have used to create a Headway account.
- The order number from any Headway confirmation email, which is the single most useful item for their support team.
For a bank dispute, write down the merchant name exactly as it appears on your statement, since the fraud team uses that string to trace the transaction. Save any emails or chat transcripts with Headway, especially a refund refusal or a non-response. That record explains to the bank why you escalated.