A LifeWave LLC charge on a credit card statement is almost always a payment for the company’s wellness patches, and most often it’s a recurring charge from LifeWave’s Monthly Subscription Order program. LifeWave bills subscribers on the same day each month until the subscription is actively canceled, so an unexpected charge usually means the subscription was never stopped after an earlier order, or the buyer didn’t realize the original purchase enrolled them in automatic monthly billing.1LifeWave product and subscription descriptions
What the Charge Is
LifeWave sells wearable phototherapy patches, with the X39 as its flagship product. The X39 costs $149.95 as a one-time purchase or $99.95 per month on subscription. Signing up for the subscription enrolls the buyer as a “Preferred Customer” at the lower price. A separate “Preferred Customer Plus” tier adds a $25 annual fee for loyalty samples and referral credits.
LifeWave describes the subscription on its own site as an “automatic monthly order charged on your credit card on the same day each month.” That means the charge repeats every month on that date until you cancel. If the amount on your statement looks like $99.95 (or close to it after tax and shipping), you’re almost certainly looking at an X39 subscription. If it’s $149.95, it’s likely a one-time retail order rather than a recurring plan.
How to Stop Future Charges
LifeWave states that Monthly Subscription Orders can be canceled at any time through its website. The exact path depends on your account type.
- Preferred Customers: log in at lifewave.com, click “Monthly Subscription Orders” on the left side of the page, and select “Stop Monthly Subscription Order.”
- Brand Partners: log in at lifewave.com, click “Monthly Subscription Orders” at the top of the page, and select “Stop Monthly Subscription Order.”
A confirmation email should arrive once the cancellation is processed. Save it. If the option isn’t visible or the portal won’t complete the cancellation, LifeWave’s customer service line for North America is +1 (866) 202-0065, and the website has a “Contact Us” page. Canceling stops future charges but does not by itself refund a charge that has already posted.
How to Get a Refund
LifeWave’s refund policy depends on whether the charge is for your first order or a later one, and all refunds go through customer service rather than a self-service page.
- First-ever order for Retail and Preferred Customers: a 90-day money-back guarantee applies. Contact customer service within 90 days of the shipping date. No product return is required. Shipping costs are not refunded.
- Subsequent orders: contact customer service within 30 days of the shipping date. All products must be returned unopened and in resalable condition, and you must request a Return Merchandise Authorization (RMA) number before shipping anything back. Shipping costs are not refunded.
- Brand Partners’ first order: a 30-day window applies. One product from the enrollment order may be opened, but everything else must come back in resalable condition with an RMA number.
If your charge falls outside these windows, LifeWave’s written policy does not promise a refund, which is where a dispute with your card issuer becomes the next step.
Disputing the Charge With Your Card Issuer
If LifeWave won’t resolve the problem or the charge was unauthorized, the Fair Credit Billing Act lets you dispute billing errors with your credit card issuer. Send a written notice to the issuer’s billing-inquiry address (not the payment address) within 60 days of the statement that shows the charge. Include your name, account number, and a description of the error, with copies of any supporting documents such as your cancellation confirmation. Sending the letter by certified mail creates proof of delivery.
Once the issuer receives the dispute, it must acknowledge it in writing within 30 days and resolve it within 90 days. While the investigation runs, you can withhold payment on the disputed amount, and the issuer cannot report it as delinquent or send it to collections. If the dispute is decided in your favor, the charge is removed; if not, the issuer must explain why in writing.
If you’re still unsatisfied after the dispute, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or report the problem to the Federal Trade Commission at ReportFraud.ftc.gov.
Why Some LifeWave Charges Catch People by Surprise
LifeWave’s marketing practices have drawn attention from regulators, which is worth knowing if you’re deciding how aggressively to escalate.
On April 27, 2026, the FTC filed a complaint in the U.S. District Court for the Southern District of Florida against Steven and Gina Merritt, two high-ranking LifeWave Brand Partners, alleging deceptive earnings claims used to recruit people into their downline. The case was resolved the same day through a stipulated order permanently barring the Merritts from misrepresenting potential earnings and requiring any future income claims to be substantiated in writing. The complaint named the Merritts individually; LifeWave itself was not a defendant. The FTC cited LifeWave’s own 2024 income disclosure showing that 79 percent of active Brand Partners received no commission payments that year, that average annual earnings for all active U.S. Brand Partners were $651 before expenses, and that the median income for the lowest rank (92.48 percent of active partners) was zero.
The Direct Selling Self-Regulatory Council also opened Case #199-2025 into salesforce posts promising “financial freedom” and “unlimited earning potential,” along with product claims that patches were “scientifically proven” to enhance energy, reduce pain, improve sleep, and promote wound healing. LifeWave did not substantiate the claims; it removed the posts and suspended one repeat offender, and the DSSRC administratively closed the case on March 3, 2025. The Better Business Bureau requested substantiation of several product claims on February 5, 2025; as of March 27, 2025, LifeWave had neither substantiated nor modified them. The company holds an A- rating with the BBB.
None of this changes the mechanics of canceling a subscription or disputing a charge, but it does mean regulators have taken an active interest in how LifeWave products are sold. If you believe you were enrolled in recurring billing without clear consent, a complaint to the CFPB or FTC adds to a record that is already being watched.