A charge showing up as “Ping Pong Hong Kong” (or “Ping Pong HK”) on your credit or debit card statement is almost always a legitimate purchase from an online seller that uses PingPong Payments as its checkout processor. PingPong’s Hong Kong entity, PingPong Global Holdings Ltd., is a licensed money service operator registered with the Hong Kong Customs and Excise Department,1PingPong. Licensing and Regulation and when a merchant routes a transaction through that entity, PingPong’s name can end up on your statement in place of the shop you actually bought from.
Why PingPong’s Name Shows Up Instead of the Store’s
The short string of text on your statement is called a statement descriptor, and it’s supposed to help you recognize a purchase. Visa’s merchant data standards let a payment facilitator appear in the merchant name field, either alone or combined with the underlying seller’s name, with the acquirer meant to pick whichever name is “more recognizable to the cardholder.”2Visa. Visa Merchant Data Standards Manual Often the result is the opposite. Stripe’s own documentation notes that the merchant-set descriptor is only one input, and the issuing bank ultimately controls what you see.3Stripe. Why Do Customers See Statement Descriptors That Don’t Match What I’ve Set in Stripe So instead of the shop’s name, you see PingPong’s, with “HK” or “Hong Kong” tagged on because that’s the entity that settled the money.
PingPong Payments is a cross-border payments company founded in 2015, licensed in the U.S. as a Money Service Business (NMLS ID 1572799) and in Hong Kong and other jurisdictions. Its customers are e-commerce businesses that sell internationally, and its checkout service is the piece most likely to put its name on your bill.4PingPong. PingPong International
Check These Things Before Assuming Fraud
A surprising number of “Ping Pong HK” charges turn out to be purchases the cardholder had simply forgotten about, or a free trial that quietly converted to a paid subscription, or an order placed by someone else on the account. HSBC Hong Kong’s guidance on unfamiliar transactions suggests checking email receipts, looking for recurring subscriptions, and asking any supplementary cardholders whether they made the purchase.5HSBC. Transaction Dispute Search your inbox for “PingPong,” the exact dollar amount, or the date of the charge. An order confirmation often turns up and ends the mystery.
How To Reach PingPong To Identify the Merchant
If the charge still doesn’t match anything you can account for, go to PingPong before you go to your bank. The company lists a consumer support line at 855-4-PINGPONG (855-474-647-664) and an email address at support@international.pingpongx.com. PingPong’s state regulatory disclosures direct consumers to contact that line first before escalating to a state agency.6PingPong. Licensing and Regulation – USA Support should be able to tell you which merchant pushed the transaction through its platform, which usually solves the puzzle on its own.
Disputing the Charge if It’s Unauthorized
Once you’ve confirmed nobody on the account made the purchase and PingPong can’t tie it to a legitimate transaction, dispute it with your card issuer. The route depends on whether the card is credit or debit.
Credit Cards
The Fair Credit Billing Act caps your liability for unauthorized credit card charges at $50, and most issuers waive even that under zero-liability policies.7Investopedia. Fair Credit Billing Act To invoke the protection, send a written dispute to your issuer’s billing-inquiry address (not the payment address) within 60 days of the statement date the charge first appeared on.8FTC. Using Credit Cards and Disputing Charges Include your name, account number, the amount and date of the charge, and a short explanation. Send it by certified mail so you have proof of delivery.9California Attorney General. Credit Cards – Dispute a Charge
The issuer must acknowledge the dispute within 30 days and resolve it within 90.10CFPB. How Do I Dispute a Charge on My Credit Card Bill You can withhold payment on the disputed amount while it’s being investigated, and the issuer cannot report you delinquent or try to collect on that portion.8FTC. Using Credit Cards and Disputing Charges If the issuer sides with you, the charge and any related fees come off. If it rules against you, it must explain in writing, and you have at least 10 days to respond before collections can resume.9California Attorney General. Credit Cards – Dispute a Charge
Debit Cards
Debit protections run on a tighter clock and smaller safety net. Under Regulation E, if you notify your bank within two business days of learning about the unauthorized charge, your liability is capped at $50. Wait longer and it can rise to $500 or more. The bank generally has 10 business days to investigate (20 for new accounts), with longer timelines allowed if it issues provisional credit while it looks into things.11Consumer Compliance Outlook. Error Resolution and Liability Limitations Under Regulations E and Z You can report a debit dispute by phone; written follow-up is still worth doing.
Network Chargebacks
Visa and Mastercard run their own chargeback systems alongside the federal process, and your bank files on your behalf once you report the dispute. Visa asks that cardholders try to resolve the issue with the seller first and generally requires claims to be initiated within 120 days of the purchase.12Visa. Chargeback Purchase Disputes Mastercard has its own multi-step exchange between the issuing and acquiring banks.13Mastercard. Chargebacks Made Simple Guide
Locking Down the Card Going Forward
Once you’ve resolved the charge, a few habits cut down on the chance of another mystery line item. The Office of the Comptroller of the Currency recommends turning on transaction alerts so every purchase pings you in real time, which turns a weeks-long discovery window into a minutes-long one. Use unique passwords for any account that stores a card, and turn on two-factor authentication where it’s offered.14OCC. Credit Card and Debit Card Fraud For a card you rarely use, most issuers now offer an in-app lock that blocks new charges while leaving existing recurring payments in place.15Chase. Credit Card Lock – A Quick Guide