An SP Attain Inc charge on your bank or credit card statement comes from Attain, Inc., a consumer-insights company that runs several shopping-rewards apps. In almost every case, the charge is a subscription, in-app purchase, or expired free trial from one of those apps, and the reason you don’t recognize it is that the billing descriptor doesn’t match the app’s name.
Who Attain Inc Is
Attain, Inc. collects purchase data and uses it for advertising and market research. It doesn’t operate under a single well-known brand. Instead, it sits behind multiple mobile apps and rewards platforms, the most prominent being Merryfield, a rewards app that pays users for buying healthier products at major retailers.1Attain. Attain’s New App Rewards Healthy Shopping Users earn by scanning paper receipts or linking retail loyalty accounts.
Because Attain is the parent, the name on your statement won’t match the app you actually used. If you’ve downloaded any shopping-rewards or data-sharing app in the past year, there’s a good chance it’s connected to Attain.
Why the Charge Appeared
Most SP Attain Inc charges fall into one of three buckets:
- A recurring subscription to a premium tier you signed up for during app onboarding.
- A one-time in-app purchase for a specific feature or bonus reward.
- A free trial that converted to a paid subscription at the standard rate.
Amounts range from under a dollar for small digital perks to roughly $10 to $30 for monthly subscription tiers, depending on the app and plan.
How to Identify the Specific Transaction
Pull the exact date, dollar amount, and card used from your statement. If your bank shows a transaction ID or reference number, note that too.
If the payment ran through Square, you can use the free receipt lookup at squareup.com/receipts. Enter the date and amount, and the tool returns the merchant and what the payment was for, regardless of how the descriptor reads on your statement.2Square. Receipt Lookup
Search your email for “subscription,” “receipt,” “Attain,” or “Merryfield.” The original signup confirmation is usually the fastest way to identify what you agreed to. Check secondary email addresses too, since many people register apps with a different address than their primary inbox.
Contacting Attain to Cancel or Get a Refund
Go to Attain before your bank. A direct cancellation or refund is faster than a chargeback and avoids the weeks-long investigation a formal dispute triggers.
Attain’s customer support line is 407-965-3018. The mailing address is Attain, Inc., Service and Support Center, 2710 Staten Ave., Orlando, FL 32804.3Attain Inc. Contact Us Have the transaction date, amount, and the email address you used to register ready when you call.
If Attain refuses or you can’t reach them, escalate to your card issuer or bank.
Disputing the Charge With Your Bank
Your rights depend on whether the charge hit a credit card or a debit card. The rules aren’t the same.
Credit Card Charges
Under the Fair Credit Billing Act, you have 60 days from the date your issuer sent the statement to submit a written dispute for a billing error, including an unauthorized charge.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The clock starts when the issuer transmits the statement, not when you open it. Send the notice to the billing-error address on the statement, not the payment address.
Your issuer must acknowledge the dispute in writing within 30 days and resolve it within two complete billing cycles, capped at 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While the investigation runs, you don’t have to pay the disputed amount, and the issuer can’t try to collect it or report it as delinquent.5Consumer Financial Protection Bureau. Regulation Z 1026.13 – Billing Error Resolution Some issuers voluntarily post a temporary credit, but the law only requires them to let you withhold payment.
Debit Card Charges
Debit disputes fall under Regulation E. The 60-day window to notify your bank still applies, but the investigation timeline is different: 10 business days to complete the inquiry and report results.6Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors
If the bank needs more time, it can extend to 45 days, but only if it issues a provisional credit within 10 business days and lets you use those funds while it investigates.6Consumer Financial Protection Bureau. Regulation E 1005.11 – Procedures for Resolving Errors That provisional credit is mandatory on the extended timeline, which is one area where debit protections are more concrete than credit ones.
For either card type, file early. Waiting until day 55 of a 60-day window leaves no margin, and some banks impose internal deadlines shorter than the federal maximum.
Your Right to Stop a Recurring Charge
The Restore Online Shoppers’ Confidence Act requires any company that bills you through an online recurring subscription to disclose all material terms before taking your billing information, obtain clear consent before the first charge, and provide a simple way to stop future charges.7Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet Simple means canceling should be no harder than signing up.
An app that forces you to call during limited hours, navigate retention screens, or mail a letter to cancel a subscription you started with one tap likely violates that rule. The FTC has brought cases against companies that bury the cancellation path.
For debit-based subscriptions, Regulation E requires preauthorized recurring transfers to be authorized in writing or through equivalent authentication, and the company must give you a copy of that authorization.8eCFR. 12 CFR 1005.10 – Preauthorized Transfers If the amount changes between billing cycles, you’re entitled to written notice at least 10 days before the transfer. A company that varies your charge without that notice has handed you strong grounds for a dispute.