An “SP ZERIA” charge on your bank or credit card statement is a recurring subscription payment for Zeria, a product sold by Zions Organics through zionsorganics.com. The “SP” is a payment-processor prefix, not part of the company name. If you didn’t expect the charge, it usually traces back to a free trial that converted to a paid plan or a purchase that enrolled you in automatic renewals, commonly billed every 30 days. To stop it, you email the company; to reverse charges you didn’t authorize, you dispute them through your card issuer.1Zions Organics. Subscriptions
How To Cancel the Subscription
Zions Organics accepts cancellations only by email to info@tryzeria.com. The company states that online account management tools are “currently under construction,” so email is the only route.2Zions Organics. Subscriptions Your request must arrive at least one day before the next scheduled payment date to avoid another charge. The company says it does not charge cancellation fees.
Save the email you send and any reply you get back. If charges keep hitting your card after you’ve asked to cancel, that paper trail is what your bank and any consumer protection agency will ask for.
Can You Get a Refund?
Zions Organics states that subscription charges are non-refundable once the product has shipped. Refunds are issued for defective or damaged items, or where required by law. If you cancel mid-cycle you may be eligible for a prorated refund, but you have to contact customer service to ask.1Zions Organics. Subscriptions The company also says it will give at least 30 days’ notice before changing pricing, terms, or billing frequency.
Disputing the Charge With Your Card Issuer
If cancellation doesn’t stop the charges, or if you never signed up in the first place, you can dispute the charge through your bank or credit card company. Under the Fair Credit Billing Act, you must send a written billing-error notice to your card issuer within 60 days of the statement date on which the disputed charge first appeared. The issuer has to acknowledge the dispute within 30 days and finish investigating within 90 days. You don’t have to pay the disputed amount while the investigation is open, and the issuer can’t report you as delinquent on that piece of the bill as long as you keep paying the rest.3California Department of Justice. How To Dispute a Charge on Your Credit Card
Most major issuers also take disputes through their app or website, and some set their own windows. Capital One, for example, requires digital disputes within 90 days of the transaction date.4Capital One. How To Dispute a Credit Card Charge Whichever route you use, have the merchant name as it appears on your statement, the date, the amount, and your reason for disputing. Copies of your cancellation email and any response from Zeria strengthen the claim.
There’s a separate federal avenue for service-related disputes over $50 that you haven’t already paid in full, with a longer filing window of one year from the first statement containing the charge.3California Department of Justice. How To Dispute a Charge on Your Credit Card
Filing a Complaint
If you were enrolled in the subscription without clear consent, or the company is making cancellation difficult, you can report it. The FTC takes reports at ReportFraud.ftc.gov.5Federal Trade Commission. Getting Into and Out of Free Trials, Auto-Renewals, and Negative Option Subscriptions State attorneys general also handle these complaints, and the National Association of Attorneys General maintains a directory of state complaint portals.6National Association of Attorneys General. Consumer File a Complaint
Because Zeria appears to operate from Iowa, the Iowa Attorney General’s office is a relevant venue as well. It accepts complaints by phone at 1-888-777-4590 and through an online form, and has publicly flagged auto-renewing subscriptions as a common source of consumer loss.7Iowa Attorney General. Attorney General Brenna Bird Gives Tips on Managing Subscriptions A single complaint won’t necessarily trigger an investigation, but it feeds the pattern-tracking these offices rely on.
Your Rights on Auto-Renewing Subscriptions
Companies selling recurring subscriptions online have to follow the Restore Online Shoppers’ Confidence Act. ROSCA requires clear disclosure of all material terms before payment information is collected, express informed consent before a customer is charged, and a simple way to cancel.8U.S. Congress. Restore Online Shoppers’ Confidence Act The FTC enforces the law and can seek civil penalties of up to $53,088 per violation.9Arnold & Porter. FTC and State AGs Continue To Scrutinize Subscription Practices
Several states add their own protections that apply to any company billing their residents. California, as of July 2025, requires express affirmative consent and online cancellation that retention offers can’t obstruct. New York requires advance consent for price increases and allows cancellation within 14 days with a prorated refund. Massachusetts requires pre-renewal notices sent five to 30 days before a subscription renews. If you live in one of these states, those rules apply to Zeria’s billing regardless of where the company is based.