The NDAI chat charge on your bank or card statement comes from NexDay AI, the company that runs SpicyChat.ai, an AI chat and roleplay platform. The descriptor usually reads “NDAI.CHAT NEWARK USA” or “NDAI.CC.” If you don’t recognize it, you most likely started a free trial that quietly converted to a paid subscription, though a genuinely unauthorized charge is also possible. To stop the billing, cancel the subscription through the account or app store you signed up with, then either ask the merchant for a refund or dispute the charge with your bank. How fast you act determines how much you can recover.
What NDAI Actually Bills For
NDAI is short for NexDay AI. The product tied to the descriptor is SpicyChat.ai; the domain ndai.cc redirects to SpicyChat.ai’s support documentation, which confirms the link. The reason the charge confuses people is that “NDAI” looks nothing like “SpicyChat.” Card networks compress merchant names into short alphanumeric strings, so the label on your statement often bears no resemblance to the site you used. You may also see a prefix such as “POS” for debit card purchases or “ACH” for electronic bank transfers alongside the NDAI merchant name.
Why the Charge Appeared
The usual path is a free trial. SpicyChat.ai collects card details at sign-up, and the trial converts to a paid subscription when the trial window closes, typically without a reminder. Federal rules require any preauthorized recurring charge from a bank account to be supported by clear written or electronic authorization in terms that are “readily understandable.”1Consumer Financial Protection Bureau. 12 CFR 1005.10 – Preauthorized Transfers In practice, that consent is often buried in the terms you clicked through during sign-up.
If you did click through a trial, the charge isn’t literally unauthorized, even if you don’t remember agreeing to it. That distinction matters when you talk to the merchant or your bank. If you never visited SpicyChat.ai at all and no one with access to your card did either, treat it as unauthorized and move straight to a dispute.
Cancel the Subscription First
Log into SpicyChat.ai using the email address on your account and look for a subscription or billing page where you can turn off auto-renewal. If you can’t find a cancellation control, send a written request to the support contact listed at docs.spicychat.ai/support. Include your account email, the transaction date, and a clear statement that you want recurring billing stopped. Save the confirmation.
If you don’t know which email you used, search your inbox for messages from SpicyChat.ai or NexDay AI. Then check your Apple App Store or Google Play purchase history. If you subscribed through an app store, the cancellation has to go through that store’s subscription settings, not through the website. Canceling in the wrong place is a common reason people see another charge the following month after they thought they’d stopped it.
You can also ask your bank for a stop-payment order on future NDAI charges. Most banks charge roughly $20 to $35 for this, and it blocks the merchant from pulling more money while you sort out the cancellation or dispute.
Ask the Merchant for a Refund
SpicyChat.ai’s refund policy is restrictive. The company says fees are non-refundable once you’ve logged in with your credentials, partial-month refunds aren’t available, and simply not using the service doesn’t qualify you for one. Approved refunds are returned to the original payment method within ten days.
Even so, contact support before escalating. Some merchants issue a courtesy refund on a first post-trial charge to avoid a formal chargeback. Reference the exact transaction date and amount from your statement, say you did not intend to subscribe, and request a full refund. Keep everything in writing. If they refuse or ignore you, you’ll want that record when you file with your bank.
Dispute the Charge With Your Bank
If the merchant won’t help, your card issuer is the next stop. The rules and deadlines depend on whether NDAI hit a credit card or a debit card, and the difference is significant.
Credit Card Charges
Credit card billing disputes fall under the Fair Credit Billing Act. You have 60 days from the date the statement containing the charge was sent to submit a written dispute to the address your issuer designates for billing inquiries, which is not the general customer service address.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The notice needs your name and account number, the charge you’re disputing, the amount, and why you believe it’s an error.
Your issuer must acknowledge receipt in writing within 30 days and then has two full billing cycles, capped at 90 days, to investigate and either correct the error or explain why the charge stands.3Consumer Financial Protection Bureau. Regulation Z 1026.13 – Billing Error Resolution During the investigation, the issuer can’t try to collect the disputed amount or report it as delinquent. If the charge was genuinely unauthorized, federal law caps your liability at $50, and most major issuers waive that as a matter of policy.4Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card
Statutory billing errors include charges for goods or services you didn’t accept and charges for the wrong amount. A subscription you never knowingly authorized fits within those categories.
Debit Card Charges
Debit card disputes fall under the Electronic Fund Transfer Act and Regulation E. Protections exist, but they are weaker and more time-sensitive than credit card rules. Your liability depends on how quickly you report the problem:
- Report within two business days of learning about the unauthorized charge: liability capped at $50.
- Report between two and 60 days after the statement is sent: liability can reach $500.
- Report after 60 days: you may be responsible for the full amount of any unauthorized transfers that occur after that window closes.
Speed matters.5Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers Once you notify your bank, it generally has ten business days to investigate and must provisionally recredit your account for the disputed amount while the investigation continues, and you keep access to the funds during that period.6Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution The investigation itself must finish within 45 days.
What a Chargeback Costs You
Chargebacks work, but they carry a trade-off. Merchants who lose a chargeback frequently ban the customer’s account, email, or payment method. Digital subscription services do this routinely, and SpicyChat.ai is unlikely to be an exception. Some sellers also share chargeback data through fraud-management networks, which can flag your card with other merchants.
That’s not a reason to accept a charge you didn’t authorize. But if the charge is technically valid and you just forgot to cancel, try the merchant first. Save the formal dispute for cases where the seller won’t engage or the transaction was truly unauthorized.
Keeping It From Happening Again
Set a calendar reminder the day you start any free trial. Companies that rely on trial-to-paid conversion generally won’t remind you before the first charge lands. When a “free” trial demands a card, use a credit card rather than a debit card: the dispute protections are stronger, the liability cap is lower, and the money doesn’t leave your checking account while you argue.
Check statements at least monthly. Both the Fair Credit Billing Act and the Electronic Fund Transfer Act count their 60-day dispute window from the day the statement is sent, not from the day you notice the charge. Unopened statements are the easiest way to lose the right to dispute a charge at all.