A charge labeled PRESPSD.COM on your bank or credit card statement comes from Picography LLC, the company that runs prespsd.com, a site selling downloadable Photoshop PSD templates for graphic design and photo editing.1prespsd.com. Terms and Conditions The amount is usually small, commonly $7.99, and several cardholders have reported seeing it without having bought anything from the site.2Better Business Bureau. Scam Tracker Report 1251903 If that describes you, treat it as a potential fraud signal and move on it the same day.
Who the Charge Comes From
Picography LLC lists an address at 9440 Santa Monica Boulevard, Suite 301, Beverly Hills, CA 90210, a support email at support@prespsd.com, and a phone number of 888-802-8955.3prespsd.com. Refund and Return Policy The products are digital design templates, so a legitimate charge would normally follow a download purchase or a subscription sign-up on prespsd.com. If no one in your household bought or signed up for anything there, the charge is not legitimate as to you, regardless of what the merchant’s site offers.
Why a Small Unfamiliar Charge Is a Warning Sign
Small unexpected charges on obscure merchants fit a fraud tactic known as card testing. People who have obtained stolen card numbers run low-value transactions, often under $10, through little-known merchants to confirm a card is active before trying bigger purchases or reselling the validated data.4Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud A smaller charge is less likely to be noticed quickly, which is the point.5Visa. What You Need to Know About Card Testing Fraud A $7.99 charge you don’t recognize may be the first probe, not the last.
In an April 2026 report to the Better Business Bureau’s Scam Tracker, a cardholder in Windham, Maine, said they received a bank alert for a $7.99 PRESPSD.COM charge, had never made any purchase from the site, and contacted their bank to block the charge and cancel the card.2Better Business Bureau. Scam Tracker Report 1251903
What to Do Right Now
Federal rules reward speed. The sooner you report an unauthorized transaction, the less you can be held liable for and the stronger your dispute.
Call your card issuer or bank. Use the number on the back of the card or your issuer’s app. For a credit card, federal law caps your liability for unauthorized charges at $50.6Federal Trade Commission. Using Credit Cards and Disputing Charges For a debit card, reporting within two business days limits your liability to $50 or the transaction amount, whichever is less; waiting longer can push that to $500.7FDIC. What Should I Do If I Have Unauthorized Charges on My Debit Card
Ask for a new card number. If someone has your details, replacing the card stops further attempts at the source.
File a written dispute. For credit cards, the Fair Credit Billing Act gives you 60 days from the date the statement was sent to dispute a billing error. Send the letter to the issuer’s billing inquiry address, not the payment address, by certified mail with return receipt. Include your name, account number, and a description of the charge, along with copies of any supporting documents. The issuer must acknowledge your complaint within 30 days and resolve it within 90.6Federal Trade Commission. Using Credit Cards and Disputing Charges
Keep watching the account. One small unauthorized charge is often followed by larger ones. Check your transaction history frequently for the next several weeks.
If the Charge Is Recurring
If PRESPSD.COM shows up every month, disputing one charge is not enough. You also need to cut off future ones.
Email support@prespsd.com or write to the Beverly Hills address to cancel any subscription, and keep a copy of the request.8Federal Trade Commission. How to Stop Subscriptions You Never Ordered Then tell your bank to revoke the merchant’s authority to charge your account, giving the merchant name, amounts, and dates. You can also ask the bank to place a stop payment on future pre-authorized debits, but the request must be made at least three business days before the next scheduled charge.9HelpWithMyBank.gov. Unauthorized Charges Monthly
The site’s own refund policy says customers may cancel orders within 30 days of receiving goods, with refunds issued within 14 days after the company receives a return, though sale items, personalized goods, and certain other categories are excluded.3prespsd.com. Refund and Return Policy You are not required to pay for products or services you did not order, and unauthorized debiting of your account is a federal crime.8Federal Trade Commission. How to Stop Subscriptions You Never Ordered
Where Else to Report It
Reporting the charge beyond your bank builds a public record and may help other cardholders seeing the same descriptor.
- Report fraud to the Federal Trade Commission at ReportFraud.ftc.gov. If you think your card information was stolen, use IdentityTheft.gov to create a recovery plan.6Federal Trade Commission. Using Credit Cards and Disputing Charges
- File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling (855) 411-2372. Companies generally respond within 15 days.10Consumer Financial Protection Bureau. Submit a Complaint
- Place a fraud alert with Equifax (1-800-525-6285), Experian (1-888-397-3742), or TransUnion (1-800-680-7289). Contacting one bureau triggers the other two. The alert lasts one year and requires lenders to verify your identity before extending new credit.4Office of the Comptroller of the Currency. Credit Card and Debit Card Fraud