What Is the PVER3.US Charge on Your Bank Statement?

A PVER3 US charge on your bank or credit card statement is almost always a subscription payment to The Epoch Times, routed through a third-party processor rather than billed under the publication’s own name. The descriptor sometimes appears as PVER3.COM or pver3.us followed by a phone number, and the amount usually lines up with one of the publication’s digital plans: roughly $4 every four weeks for the Basic Digital tier at $1 per week, or $39 for the Annual Digital plan.1The Epoch Times. Subscribe to The Epoch Times

Why the Descriptor Looks Unfamiliar

Payment processors often generate abbreviated codes instead of displaying the merchant’s full name, and “PVER3” has no obvious connection to a news subscription. The “US” portion of the descriptor just indicates the payment was routed through a domestic processor. That gap between the code and the brand is why this charge gets Googled so often, even by people who are actively subscribed.

Before treating the charge as fraud, run through a few quick checks. Did anyone else with access to the card sign up? Did you click a discounted trial offer from a social media ad months ago that has since converted to a paid plan? Annual renewals catch people off guard more than monthly ones because a full year passes between charges, and federal law does not require merchants to send a reminder before an annual subscription renews. Search your email for any confirmation message from The Epoch Times. If nothing turns up, treat it as potentially unauthorized and move to the dispute steps below.

How to Cancel the Subscription

Canceling with the merchant is faster than going through your bank. The Epoch Times offers three cancellation channels at no cost:2The Epoch Times. Cancel Your Epoch Times Subscription for Free

  • Log in at theepochtimes.com/profile, click Subscription in the left menu, select the subscription you want to end, scroll to the bottom, and click Cancel my subscription.
  • Use the one-click cancellation gateway in the help center, which drops you into the cancellation flow after login.
  • Call 1-833-699-1888. Customer service hours are Monday through Friday, 8 a.m. to 8 p.m. ET, and Saturday through Sunday, 10 a.m. to 6 p.m. ET.

Whichever channel you use, save a cancellation confirmation number or screenshot the confirmation page. The merchant’s terms of service do not clearly guarantee refunds for charges that have already processed, so canceling before the next billing cycle is the safest move.3The Epoch Times. Terms of Service

Disputing a Credit Card Charge

If you paid with a credit card and the merchant won’t resolve the issue, the Fair Credit Billing Act gives you a formal path. Send a written billing error notice to your card issuer within 60 days of the statement date that first showed the charge.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The notice needs your name, account number, the disputed amount, and why you believe it’s an error. Send it to the address your issuer designates for billing disputes, not general correspondence. A phone call alone may not preserve your rights.

Once your issuer receives the notice, it must acknowledge receipt within 30 days and complete its investigation within two billing cycles, which cannot exceed 90 days.4Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors During the investigation, the issuer cannot report the disputed amount as delinquent or try to collect it.5Federal Trade Commission. Fair Credit Billing Act Most issuers also offer a provisional credit while they investigate, though the statute does not require it for credit cards.

Disputing a Debit Card Charge

Debit transactions fall under the Electronic Fund Transfer Act, and the money has already left your account, so timing matters more. Regulation E sets three tiers of liability based on how quickly you report an unauthorized transfer:6Consumer Financial Protection Bureau. Regulation E 1005.6 – Liability of Consumer for Unauthorized Transfers

  • Report within 2 business days of learning about it, and your maximum liability is $50.
  • Report after 2 business days but within 60 days of your statement, and your maximum liability rises to $500.
  • Report more than 60 days after your statement, and you could be on the hook for the full amount of unauthorized transfers that occur after that window.

The investigation timeline is different too. Your bank must resolve the error within 10 business days of receiving your notice. If it needs more time, it can extend to 45 days, but only if it provisionally credits your account for the disputed amount within those first 10 business days so you have access to the funds during the investigation.7Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution In practice, that provisional credit requirement is why debit disputes often resolve faster than credit disputes.

Stop-Payment Orders and Blocking Future Charges

If you’ve canceled the subscription but want insurance against another charge slipping through, a stop-payment order adds a second layer. You instruct your bank to block future payments to that merchant. Most banks charge a fee in the $15 to $35 range, and if you place the order verbally, many require written confirmation within 14 days. Stop-payment orders do not necessarily last forever, so ask your bank how long the block stays active and whether you’ll need to renew it. For recurring ACH debits, revoking the merchant’s authorization in writing and sending your bank a copy is generally more reliable than a stop-payment alone.

If the Merchant Makes Cancellation Difficult

The Restore Online Shoppers’ Confidence Act requires any merchant that charges you on a recurring basis through an online transaction to provide a simple way to cancel.8Office of the Law Revision Counsel. 15 USC 8403 – Negative Option Marketing on the Internet A service that buries cancellation, pushes you through an unreasonable number of retention screens, or makes it functionally impossible to cancel online may be violating federal law. You can file a complaint at ftc.gov/complaint. That won’t resolve your individual charge, but it feeds the enforcement record. For your own account, the cancellation, dispute, and stop-payment steps above are the direct fixes.