An SP Warmy charge on your bank or card statement is a subscription payment to Warmy.io, an email deliverability service, processed through Shopify’s billing system. If you or someone with access to your card signed up for the tool, the charge is legitimate and will keep recurring until canceled. If no one recognizes it, you have a limited window to dispute it with your bank.
How the Charge Appears
The descriptor usually reads “SP WARMY.IO,” “SP * WARMY.IO,” or “SHOPIFY * WARMY” followed by a partial web address or location. The “SP” prefix historically signaled a transaction routed through Shopify’s payment infrastructure, though the exact format varies by card issuer and has changed over time. The “WARMY” portion is what identifies the merchant.
Because this is a digital subscription, it bills on a repeating cycle rather than once. Several consecutive months at the same dollar amount is the normal pattern for a paid plan. A single charge at an odd amount, with nothing before or after it, is the one that warrants closer inspection.
What Warmy.io Is
Warmy.io is software that “warms up” email accounts so outgoing messages reach the inbox instead of the spam folder. It connects to an email account using standard protocols and automatically sends and receives messages in the background to build a positive sending reputation with providers like Gmail and Outlook. The customer base skews heavily toward people running email marketing campaigns, cold outreach, or sales operations.
Before treating the charge as fraud, ask anyone else who uses your payment method, especially a business partner, assistant, or marketing contractor, whether they signed up for an email warm-up tool. Then search your inbox for “warmy” to surface any welcome emails, invoices, or trial notifications you may have missed when the account was created.
Why the Amount May Not Match a Round Number
Warmy.io uses volume-based pricing that starts at roughly $49 per month for a single mailbox on its basic plan and climbs through higher tiers up to around $429 per month, with a custom enterprise option above that.1Warmy.io. Pricing The price scales per connected inbox, so a business running the service across several mailboxes can see a bill that’s a multiple of the base tier. Annual billing runs roughly 15–20% cheaper than monthly, which means an annual renewal can hit as a single large charge once a year rather than a predictable monthly line item.
If the charge doesn’t match one of the published prices, the gap is usually sales tax, which some states apply to digital subscriptions.
There’s one more common source of a surprise charge: the free trial. Warmy.io offers a seven-day trial, and the company’s support materials say no credit card is required to start it.2Warmy. Warmy’s Free Trial Guide But the terms of service state that a trial “will automatically convert to a paid subscription at the then-current rate” unless you cancel before it ends. If you entered payment information at signup, that auto-conversion is a likely explanation. The terms do not mention renewal reminders before a card is charged, so the only reliable way to avoid a renewal is to cancel ahead of the billing date.3Warmy. Warmy – Website and Platform Terms of Service
How to Cancel and Stop Future Charges
Log into your Warmy.io account and open the billing section of the dashboard. Select the cancellation option and follow every prompt to the final confirmation screen. Save a screenshot of that confirmation, and keep the confirmation email the system sends. You’ll want both if another charge posts after your cancellation date.
If you can’t log in or don’t know which email address was used to register, email support at hi@warmy.io.4Warmy. Contact Us The company does not publish a support phone number, so email is the only direct channel.
Whether You Can Get a Refund
Warmy.io’s terms of service include a section titled “No Refunds.”3Warmy. Warmy – Website and Platform Terms of Service A polite request after an unwanted renewal is unlikely to recover the money. Canceling before the next billing date is the only reliable way to avoid a charge you don’t want.
It is still worth emailing support if you believe the charge was a genuine mistake, such as a duplicate posting or a technical error. Include the transaction ID, the exact dollar amount, and the date so they can find the payment quickly. Keep expectations low, and don’t let a pending support conversation eat up your dispute window with the bank.
Disputing a Charge You Didn’t Authorize
If no one in your household or business recognizes the charge and nothing in your inbox explains it, treat it as potentially unauthorized and contact your bank or card issuer right away. Your rights depend on which type of account was hit.
Credit Card Charges
The Fair Credit Billing Act covers credit card disputes. You have 60 days from the date your creditor sends the statement containing the charge to submit a written notice of billing error. The notice must identify your name and account number, state that you believe there’s an error, and explain why.5Office of the Law Revision Counsel. 15 US Code 1666 – Correction of Billing Errors The creditor must then investigate and either correct the charge or explain in writing why it stands. During the investigation, the creditor cannot report the disputed amount as delinquent or send it to collections.
Debit Card and Bank Account Charges
If the charge hit a debit card or came straight out of a bank account, Regulation E governs. You again have 60 days from the date the bank sends the statement showing the error to notify the institution, orally or in writing, with your name, account number, and enough detail to identify the transaction.6Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors
In either case, the 60-day clock is firm. Miss it and the bank has no obligation to investigate. A successful dispute typically results in a provisional credit while the investigation runs, and that credit becomes permanent if the merchant can’t prove the charge was authorized.
What to Have Ready Before You Call
Whether you’re writing to Warmy.io’s support team or opening a dispute with your bank, pull these together first:
- The email address you used, or suspect was used, to create the account.
- The exact dollar amount, date, and transaction ID from your statement.
- Any welcome emails, invoices, or cancellation confirmations from Warmy.io.
- A screenshot or PDF of the statement line showing the charge.
Banks move faster when you can hand them a clean record on the first call, and the merchant can locate your account more quickly when you lead with the signup email and the transaction ID.