An SNPO charge on your credit card statement is almost always a transaction tied to Snap One Holdings Corp., a wholesale supplier of smart home, audio/video, networking, and security equipment. The letters come from the company’s former Nasdaq ticker, which still appears in some billing systems. Because Snap One sells through professional installers rather than directly to consumers, the charge typically reflects hardware or a service that a home technology integrator purchased on your behalf, or a recurring subscription tied to equipment already in your home.
Why Snap One Would Bill You
Snap One, formerly SnapAV, distributes over 4,300 proprietary products to custom installation contractors, including Control4 home automation, OvrC remote management, speakers, amplifiers, routers, Wi-Fi access points, surveillance cameras, smart locks, and video doorbells.1Security Systems News. SnapAV Rebrands as Snap One Many of these lines, especially Control4, are reserved for authorized dealers and cannot be bought directly by consumers.2Snap One. SnapAV Shop
So if you see SNPO on your statement, the usual explanations are:
- An installer purchased equipment through Snap One and passed the cost to your card.
- A recurring fee for a remote management service like OvrC.
- A Control4 subscription such as Control4 Connect or Control4 Assist.3Snap One. Payment Terms
If anyone in your household has had smart home, home theater, security camera, or networking work done, that is the first place to look. Ask the installer whether they placed an order through Snap One or SnapAV around the transaction date.
Snap One Is Now Part of Resideo
Resideo Technologies completed its acquisition of Snap One on June 14, 2024, and Snap One’s stock was suspended from Nasdaq trading three days later.4Resideo Technologies. Resideo Completes Acquisition of Snap One5Nasdaq Trader. Equity Corporate Actions Alert 2024-276 The operations, including Control4 and OvrC, were folded into Resideo’s ADI Global Distribution segment. Billing descriptors don’t always update after an acquisition, so statements can still read SNPO or Snap One even though the company now sits under Resideo. That mismatch between corporate name and statement text is common: the descriptor field on card statements typically runs only about 18 to 23 characters, and issuers sometimes substitute their own “friendly” names on top of that.6Yahoo Finance. Making Sense of Confusing Credit Card Charges7Stripe. Why Do Customers See Statement Descriptors That Don’t Match
One Other Possibility: The Society for Nonprofits
A less common source of an SNPO charge is the Society for Nonprofits, a membership group at snpo.org. Annual membership runs $129 and includes Nonprofit World Magazine, the Funding Alert newsletter, webinars, and an article library. The organization offers a full refund if you contact it within 30 days of joining.8Society for Nonprofits. Login If the charge is close to $129 and you or someone on the account works in the nonprofit sector, check this before assuming Snap One.
Quick Checks Before You Dispute
Run through these steps first. They resolve most unfamiliar charges without a formal dispute:
- Look at the transaction date, not the post date, and compare it to receipts and order confirmations in your email.
- Ask household members and any authorized users on the card whether they made a purchase.
- If a home technology installer has worked at your address recently, ask whether Snap One or SnapAV appears on their invoice.
- Search the exact descriptor text, in quotation marks, in a search engine.
- Check the transaction details in your card issuer’s app for a merchant phone number or URL.
Snap One’s main site is snapav.com. The Society for Nonprofits handles member questions through snpo.org.
Disputing an Unauthorized Charge
If the charge is genuinely not yours, federal law protects you. Under the Fair Credit Billing Act, your maximum liability for unauthorized credit card charges is $50 as long as you report the issue within 60 days of receiving the statement showing it.9Discover. Fair Credit Billing Act Most major issuers voluntarily go further with zero-liability policies.
The Consumer Financial Protection Bureau recommends calling your card issuer as soon as you spot the problem, then following up with a written billing error notice sent to the issuer’s billing inquiry address. That written notice must reach the issuer within 60 calendar days after the first statement showing the charge was sent to you.10Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill The issuer must acknowledge your dispute within 30 days and resolve it within 90 days.11FTC. Using Credit Cards and Disputing Charges While the investigation is open, the issuer cannot report you as delinquent on the disputed amount, sue you to collect it, or close the account over it.
Watch for small unexplained charges in particular. The Office of the Comptroller of the Currency warns that fraudsters sometimes run a small test transaction to confirm a stolen card number works before attempting a larger purchase. If you cannot trace an unfamiliar charge to a legitimate purchase, report it right away. You can also place a one-year fraud alert with any of the three major credit bureaus (Equifax, Experian, or TransUnion), which requires lenders to verify your identity before opening new credit in your name.12OCC. Credit Card and Debit Card Fraud Report suspected identity theft at IdentityTheft.gov, and escalate an unresolved billing dispute by filing a complaint with the CFPB.11FTC. Using Credit Cards and Disputing Charges