A charge labeled “Resy Network” on your credit card statement is almost always a payment the restaurant set up through Resy, not a fee Resy charged you directly. Resy itself does not bill diners a booking fee or per-reservation fee. What you’re seeing is typically one of three things: a prepaid reservation deposit, a cancellation or no-show penalty, or the price of a ticketed dining experience the restaurant sold through Resy’s system. Which one it is determines how you get it resolved.
What the Charge Actually Is
Resy is a reservation platform owned by American Express. Restaurants use it to manage bookings, and many of them require some financial commitment from the diner at the time of reservation. When those payments process, they show up on your statement under a name like “Resy Network” or “Resy” even though the money is going to the restaurant.
Three categories cover nearly every charge of this kind:
- Prepaid reservation deposit. Some restaurants collect a partial or full payment when you book. The deposit is usually credited back toward your final bill at the restaurant.
- Cancellation or no-show fee. If you missed the reservation or canceled outside the restaurant’s allowed window, the restaurant can charge the card you gave when you booked.
- Ticketed dining experience. Tasting menus, chef’s tables, prix fixe dinners, and special events are often sold like event tickets, with the full meal price collected upfront.
Resy’s own pricing confirms the platform charges restaurants no per-cover or per-reservation fee, which is why the charge on your statement was initiated by the restaurant rather than by Resy.
Figuring Out Which One Is Yours
Pull up the confirmation email Resy sent when you booked. It should describe any prepayment, deposit amount, or cancellation policy tied to the reservation. Match the dollar amount on your statement against what the confirmation describes. If the numbers line up with a deposit or a stated cancellation fee, you’ve identified the charge.
One thing worth checking carefully: prepaid deposits for ordinary reservations are supposed to be credited against your final restaurant bill. If you paid a deposit through Resy and then paid the full check at the restaurant with no credit applied, you may have been charged twice. Compare the Resy confirmation against the itemized receipt from the restaurant line by line.
Ticketed experiences work differently. The full meal is paid upfront, so you shouldn’t expect a second charge at the restaurant for the food itself. Drinks, supplements, and tips may still be billed on top.
Cancellation and No-Show Fees
When you book at a restaurant with a cancellation policy, Resy stores your card information and the restaurant sets the rules on when and how much it can charge. If you cancel late or don’t show up, a staff member at the restaurant has to open the Resy OS app, review the flagged reservation, and manually apply the fee. The money is paid out to the restaurant’s bank account through Stripe, Resy’s payment processor.1Resy Help Center. Cancellation Fee Charges
Two details matter if you’re trying to make sense of the amount. Cancellation fees are charged per person, not per table, so a six-top can produce a sizable charge.2Resy Help Center. Large Party Cancellation Policy And every restaurant sets its own cancellation window and dollar amount; Resy doesn’t impose a standard policy. The terms are supposed to appear during the booking flow before you confirm. If you don’t recall seeing a cancellation policy at booking and were charged anyway, that’s a solid basis for a dispute.
If You Have an Eligible American Express Card
Because American Express owns Resy, certain Amex cardholders get access to a program called Global Dining Access that offers exclusive reservations and early access to hard-to-book tables. The booking services under this program carry no cost.3Resy. Global Dining Access The eligible cards are the Platinum Card, the Hilton Honors American Express Aspire Card, and the Delta SkyMiles Reserve American Express Card.4American Express. Your Guide to Global Dining Access by Resy The standard American Express Gold Card is not on that list despite its dining rewards.
Holding one of these cards does not shield you from restaurant-initiated charges. Deposits, no-show fees, and ticketed-event prices still bill through Resy and still land on your statement. If you expected a card benefit to offset the charge, check the terms of that benefit; some dining credits post on a quarterly cycle and require the purchase to clear before the quarter closes.
How to Get the Charge Resolved
Work in order from closest to the transaction outward.
Start With the Restaurant
If the amount matches something on your actual restaurant check (a technology fee, a service charge, or a line item you didn’t expect), contact the restaurant’s general manager. Ask for a full breakdown and ask specifically whether the item was a platform cost or a restaurant policy. Note who you spoke with and when. Restaurants will often reverse a disputed fee, especially when it wasn’t disclosed before you sat down.
If the charge is a cancellation or no-show fee and you believe it was applied in error, the restaurant is also the right first call. Because a staff member had to initiate the charge manually, a staff member can reverse it.
Contact Resy Support
For charges that show up as standalone Resy transactions you can’t match to anything, go through the Resy Help Center.5Resy. Contact Resy Support Have the reservation confirmation, the booking date, and a screenshot of the statement charge ready. Resy’s support team will usually need to coordinate with the restaurant, since the restaurant controls the fee.
Dispute With Your Card Issuer
If the restaurant and Resy don’t resolve it, you can dispute the charge with your credit card company. Federal law gives you 60 days from the statement date showing the charge to notify your card issuer in writing. The notice needs your name, account number, the disputed amount, and the reason you believe it’s wrong. The issuer has to acknowledge the dispute within 30 days and resolve it within two billing cycles, with a hard cap of 90 days. While the investigation is open, the issuer cannot try to collect the disputed amount or report it as delinquent.6Office of the Law Revision Counsel. United States Code Title 15 – 1666
A dispute has the best chance when you can show one of three things: the fee wasn’t disclosed during booking, you canceled within the restaurant’s stated window and were charged anyway, or the amount doesn’t match the reservation terms. Save your Resy confirmation email, any cancellation confirmation, and screenshots of the restaurant’s booking page if you still have access to them.