A charge from PBPayHelp.com on your bank or credit card statement is a billing descriptor used by Gamma Billing Inc. to process payments for adult entertainment subscription websites. The descriptor is intentionally vague for privacy reasons, which is why the line item often looks unfamiliar.1PBPayHelp.com. FAQs If you don’t recognize it, the charge most likely traces back to a subscription sign-up on a site operated by Gamma Entertainment or one of its affiliates, sometimes a free trial that quietly converted into a paid membership.
Who Actually Billed You
PBPayHelp.com is a billing support portal, not a retailer. It is run by Gamma Billing Inc., which handles payments for adult content sites including Adulttime.com and New Sensations, among others.2ClassAction.org. Booe v. GammaBilling Inc. The money itself moves through Segpay, a Florida-based payment processor that Gamma designates as its authorized processor. Epoch.com is also listed as an authorized sales agent.1PBPayHelp.com. FAQs
That layered setup is why the descriptor doesn’t name any particular website. To find out which site generated your charge, use the order lookup on PBPayHelp.com’s site, which lets you search by payment information. You can also check your email (including spam folders) for a confirmation message, since PBPayHelp.com states a confirmation is sent with every order from its support address.1PBPayHelp.com. FAQs
How To Cancel the Subscription
Gamma Billing does not handle cancellations itself. For recurring subscriptions, it directs users to Segpay’s consumer support portal at cs.segpay.com.3PBPayHelp.com. Contact Us Through that portal you can look up active subscriptions tied to your card and cancel future billing.
One thing to watch for: consumers have reported being enrolled in a second, bundled membership at checkout, each with its own separate cancellation. Cancelling one does not necessarily stop the other, so check the portal for more than one active subscription on your payment method.2ClassAction.org. Booe v. GammaBilling Inc.
How To Request a Refund
For refund requests and billing questions, PBPayHelp.com offers a few direct channels:
- Email at [email protected], with a stated response time of 24 hours.
- Live chat through the contact page at pbpayhelp.com.
- The order details lookup, useful for pulling up the specific transaction before you call or write.
Refund outcomes vary. Complaints filed with the Better Business Bureau against Segpay between mid-2025 and early 2026 show that refund requests have sometimes been denied based on webmaster-provided usage logs showing content was accessed. One consumer who disputed $674.85 accumulated over a year was offered refunds covering only the most recent six months.4Better Business Bureau. Segpay Complaints If the merchant won’t refund the full amount, your next step is your bank.
Disputing the Charge With Your Bank
If PBPayHelp.com and Segpay don’t resolve it, you can dispute the charge with your card issuer. The rules differ for credit and debit.
On a credit card, the Fair Credit Billing Act caps your liability for unauthorized charges at $50, and many issuers waive even that under zero-liability policies. You must notify the issuer of a billing error or unauthorized charge within 60 days of the statement date. You don’t have to pay the disputed amount during the investigation, but you do still owe the undisputed portion of the bill.5FDIC. Consumer News
On a debit card, the Consumer Financial Protection Bureau advises notifying your bank right away. If you report a lost or stolen card within two business days, your liability is capped at $50; waiting longer can push it to $500. For an unauthorized charge that appears on your statement while your card is still in your possession, the 60-day window applies. Banks generally must investigate within 10 business days and issue a temporary credit if they need more time.6Consumer Financial Protection Bureau. How Do I Get My Money Back After an Unauthorized Transaction
Why This Charge Catches People Off Guard
A 2023 class action, Booe v. GammaBilling Inc. (Case No. 2:23-cv-08568, Superior Court of California, County of Los Angeles), alleged that recurring monthly subscription fees were displayed in small, light-gray text during trial sign-ups and that users were enrolled in secondary memberships through pre-checked boxes at checkout. The complaint described consumers ending up with two separate memberships, each with its own cancellation procedure.2ClassAction.org. Booe v. GammaBilling Inc.
Whether or not your particular charge fits that pattern, it’s worth checking Segpay’s portal for more than one active subscription on your card before you consider the problem solved.