A “TE MRH” line on your bank statement is a charge processed by Epoch Payment Solutions, a third-party payment processor that bills on behalf of many online merchants. Because Epoch handles the transaction, its code appears on your statement instead of the website where the purchase actually happened. You can trace the charge back to the real merchant, cancel any recurring billing, and dispute it with your bank if you never authorized it.
Why the Merchant’s Name Doesn’t Appear
Epoch Payment Solutions is a payment aggregator. Instead of each online seller maintaining a direct relationship with Visa, Mastercard, or your bank, Epoch sits in the middle and processes transactions for hundreds of businesses under its own merchant account. That’s why the statement descriptor points to Epoch rather than the site you actually used.
It Is Not The Epoch Times
Epoch Payment Solutions (epoch.com) and The Epoch Times are separate organizations with no corporate relationship. A subscription to the newspaper would appear under the publication’s own name and be managed through TheEpochTimes.com. Contacting the newspaper about a “TE MRH” charge won’t get you anywhere.
Who Typically Bills Through Epoch
Epoch is heavily used by media companies, digital entertainment platforms, and online retailers. Adult entertainment sites, dating platforms, and streaming services are among the most common merchants running through it. If the charge doesn’t look familiar, think about whether anyone with access to your card may have signed up for a streaming service, a dating site, or a digital subscription. Free trials that quietly converted to paid subscriptions are the usual explanation for a charge that seems to come from nowhere.
How to Identify the Actual Merchant
Epoch runs a free lookup tool called “Find My Purchase” at epoch.com/find_purchase. You only have to fill in two of the four fields to run a search, so a complete record isn’t required.1Epoch.com. Billing Support The fields include your member ID, the email address tied to the purchase, and partial card details.
Before you start, pull the exact dollar amount and posting date from your statement, and have handy the email you usually use for online accounts. If the tool can’t match your charge or you can’t complete two fields, Epoch’s billing support runs 24/7 at 1-800-893-8871, at billing@epoch.com, and through live chat on its site.2Epoch.com. Billing Support
Canceling a Recurring Charge
Once the lookup identifies the merchant, the results page gives you options to manage or cancel the subscription. You can also call 1-800-893-8871 and ask a live agent to cancel it.2Epoch.com. Billing Support A confirmation email should arrive within a day; check your spam folder if it doesn’t. You usually keep access to the service through the end of the current billing period.
If you’ve already been charged for a period you don’t want, ask the agent about a refund in the same call. Save the confirmation email in case the charge reappears later.
Disputing a Charge You Didn’t Authorize
If you never authorized the charge and Epoch can’t or won’t resolve it, take the dispute to your bank or card issuer. Your rights and deadlines depend on whether the charge hit a credit card or a debit card.
Credit Cards
Under the Fair Credit Billing Act, you have to send a written dispute to the address your issuer designates for billing errors within 60 days after the statement containing the charge was sent to you.3Consumer Financial Protection Bureau. 12 CFR 1026.13 – Billing Error Resolution The notice should include your name, account number, the disputed amount, and why you believe the charge is wrong.
The issuer must acknowledge your notice within 30 days and resolve the investigation within two full billing cycles, not to exceed 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While it investigates, it can’t try to collect the disputed amount or report it as delinquent. Your personal liability for unauthorized credit card use is capped at $50 under federal law, and only if the issuer met certain notification requirements.5Office of the Law Revision Counsel. 15 USC 1643 – Liability of Holder of Credit Card In practice, most major issuers waive that $50 under their own zero-liability policies.
Debit Cards
Debit card disputes fall under Regulation E. You have 60 days from the date your statement was sent to report the error to your bank. The bank then has 10 business days to investigate; it can take up to 45 days if it provisionally credits your account within the initial 10 business days.6Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors The 60-day window is a hard deadline. Miss it and the bank has no obligation to investigate, so act as soon as you see the charge instead of waiting for the next statement.
Keeping It From Happening Again
Most surprise “TE MRH” charges trace back to a free trial someone forgot about. Any time you hand over a card for a trial, set a calendar reminder a few days before it ends. That single habit prevents more billing problems than any dispute process cleans up after.
If you think the card number itself was compromised rather than merely used for a subscription you lost track of, ask your bank to issue a new card. Canceling through Epoch stops charges from that one merchant, but a stolen number can be used elsewhere. Turning on real-time transaction alerts gives you a much shorter reaction window than a monthly statement.