What Is the EVO eZpay LLC Charge on Your Statement?

An EVO eZpay LLC charge on your bank or credit card statement is a payment processed through eZpay, LLC, a Melville, New York payment technology company that runs online payment portals for insurers, municipalities, property managers, schools, and nonprofits.¹ The “EVO” piece comes from EVO Payments International, the merchant services company Global Payments Inc. acquired in early 2023.² In almost every case, the charge is a legitimate payment you made to a business that uses eZpay to collect money. The statement just shows the processor’s name instead of the business’s.

Why the Name on Your Statement Doesn’t Match

Card billing descriptors are limited to roughly 25 characters, so what appears on your statement is often an abbreviation, a parent company, or the payment processor rather than the merchant you dealt with.³ eZpay sits on the back end: when you pay an insurance premium, a town fee, a tuition bill, or rent through a company that uses eZpay, the line item may read “EVO EZPAY LLC” instead of the name you’d recognize.⁴

Global Payments acquired EVO for roughly $4 billion and has been rebranding acquired entities under its own name.⁵ The lingering “EVO” tag on statements reflects that transition.

How to Trace the Charge

Before treating the charge as fraud, work through a few checks:

Compare the date and dollar amount to recent bills — insurance premiums, HOA or property management fees, tuition, municipal filings, utility accounts.
Search your email for “ezpay” or the exact amount. eZpay-powered portals typically send a confirmation receipt.
Consider autopay. eZpay supports recurring billing, so the charge may be an automatic payment you set up months ago.⁴
Ask anyone else who uses the card or account.
Call eZpay at (516) 980-1667 if you still can’t identify the underlying merchant.¹

Disputing a Credit Card Charge

If none of that connects the charge to something you authorized, your dispute rights depend on the card type. For credit cards, the Fair Credit Billing Act caps your liability for unauthorized charges at $50, and most issuers apply zero-liability policies on top of that.⁶

To lock in your full FCBA rights, send a written dispute to your issuer’s billing-inquiry address (not the payment address) within 60 days of the statement date. Include your name, account number, and a description of the charge. Certified mail gives you proof of delivery. The issuer must acknowledge the dispute within 30 days and resolve it within 90. During the investigation, you don’t have to pay the disputed amount, and the issuer can’t report it as delinquent or send it to collections.⁶

Disputing a Debit Card or Bank Account Charge

Debit cards and ACH transactions fall under the Electronic Fund Transfer Act and Regulation E, which tie your liability to how fast you report the problem. Notify your bank within two business days of learning about the charge and your liability is capped at $50 (or the amount of the transfer, whichever is less).⁷ After two business days, the cap can rise to $500. Wait more than 60 days after the statement was sent and you can be liable for any unauthorized transfers that happen after that window.⁸

Your bank generally has 10 business days to investigate, or 20 for accounts less than 30 days old. If it needs longer, it must issue a provisional credit for the disputed amount (minus up to $50) while it finishes.⁹ The bank cannot require you to file a police report, contact the merchant, or produce extra paperwork before it starts investigating.¹⁰

Stopping a Recurring eZpay Charge

If the charge is recurring and you want it to stop, the CFPB recommends doing two things:

Tell the company you were paying — the insurer, landlord, or other business, not just eZpay — in writing and by phone that you are revoking authorization for automatic payments.
Tell your bank or credit union the same thing, in writing and by phone. You can also request a stop-payment order, which has to be in place at least three business days before the next scheduled debit.¹¹

Once both the company and the bank have been notified, any further debit is treated as an error under federal law and you’re entitled to a refund.¹¹ Two caveats worth knowing: banks commonly charge a fee for stop-payment orders, and canceling the automatic payment does not cancel the underlying contract or debt. If you still owe the business, you’ll need to settle it another way.¹²

Where to Escalate

If the bank or card issuer won’t resolve the dispute, you have options:

File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372.
Report fraud to the Federal Trade Commission at ReportFraud.ftc.gov.⁶
If you suspect identity theft, use IdentityTheft.gov to build a recovery plan and generate an official identity-theft report that strengthens future disputes.¹³

1
eZpay, LLC. About Us
2
Business of Payments. EVO Acquisition Boosts Global Payments European Merchant Revenues
3
Forbes. What Is This Charge on My Credit Card
4
eZpay, LLC. Home
5
Global Payments. Global Payments Enters Definitive Agreement to Acquire EVO
6
Federal Trade Commission. Using Credit Cards and Disputing Charges
7
Consumer Financial Protection Bureau. Regulation E – Section 1005.6
8
Cornell Law Institute. 15 U.S. Code Section 1693g
9
Consumer Financial Protection Bureau. How Do I Get My Money Back After I Discover an Unauthorized Transaction
10
Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs
11
Consumer Financial Protection Bureau. How Do I Stop Automatic Payments From My Bank Account
12
Consumer Financial Protection Bureau. How Can I Stop a Payday Lender From Electronically Taking Money Out of My Bank Account
13
Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud