A charge listed as “SP Everly” or “SP* EVERLY.COM” on your bank statement is a payment to Everlywell, an online company that sells at-home lab test kits, telehealth visits, and a monthly testing membership. The dollar amount varies widely because individual kits run from about $49 to over $800 and the Everlywell+ membership bills at $39 per month. If you or anyone with access to your card recently ordered a health test online, that is almost certainly the source.
What the “SP” Prefix Means
“SP” is not a separate company and not an extra fee. It is a prefix assigned by the payment processor that handles Everlywell’s transactions. Online payment platforms let merchants set a short prefix (up to 10 characters) that appears before the business name on your statement, followed by the merchant’s own identifier. So “SP* EVERLY.COM” or “SP EVERLYWELL” is one charge from one company: Everlywell.
What You Probably Bought
The most common trigger is a one-time at-home test kit. Everlywell sells dozens of screenings covering food sensitivity, cholesterol, vitamin levels, thyroid function, allergies, and more. Simpler panels like a cholesterol or HbA1c test start around $49. Multi-marker tests sit around $99. Advanced screenings such as multi-cancer early detection reach as high as $849. The price covers collection materials, shipping to the lab, and digital delivery of results.
The second common explanation is the Everlywell+ membership at $39 per month. It gives you one credit each month toward at-home testing, with individual tests costing one to four credits depending on complexity. Unused credits roll over, so you can be billed every month even during stretches when you order nothing. People who signed up for a trial or enrolled months ago and forgot are the ones most often surprised by this line item.
Telehealth visits and vitamin or supplement orders through Everlywell run through the same processor, so the statement descriptor alone won’t tell you which product you paid for. Your email or account history will.
How to Verify the Charge
Start in your email inbox. Search for messages from Everlywell or for “order confirmation.” The confirmation email lists your order number, the date, and the exact amount charged.
If nothing turns up in email, log in at secure.everlywell.com. The account portal shows your full order history, any active subscriptions, and the status of pending tests. Compare the amount and date there against the charge on your bank statement. If they match, the charge is legitimate even if you don’t remember placing the order. Note whether it’s a one-time purchase or a subscription renewal, because that decides your next step.
If nothing in your account matches the charge and no one else in your household could have used your payment method, treat it as a potentially unauthorized transaction.
Canceling a Recurring Membership
Two conditions have to be met before Everlywell will cancel a subscription. You need to give at least 48 hours’ notice before your renewal date, and you must have received the minimum number of kits your plan requires. The minimums by billing frequency:
- Monthly plans: 3 tests received before cancellation is allowed
- Quarterly plans: 2 tests received
- Bi-annual plans: 2 tests received
If you haven’t hit the minimum, you’re locked in until you do. That means signing up for a monthly plan effectively commits you to at least three months of $39 charges. Miss the 48-hour window by even a few hours and you’ll be billed for another cycle. To cancel, log into your account or email contact@everlywell.com.
Getting a Refund
Everlywell’s refund policy is strict. Once your test kit has shipped, no refund is issued. The company also does not accept returned or unused kits under any circumstances; if you receive one you don’t want, their policy is to dispose of it. Vitamins and supplements follow the same rule: no refunds, no returns.
In-person testing purchased through Everlywell and processed at Quest Diagnostics locations works a little differently. You can cancel within 60 days of purchase, minus a nonrefundable $20 fee. Once your sample has been collected at the lab, no cancellation or refund is available.
Your best chance of stopping an unwanted charge is catching it before the order ships. If you placed an order by mistake, email contact@everlywell.com immediately rather than waiting for delivery.
Disputing an Unauthorized Charge
If you’ve ruled out an order by you or your household, how you dispute the charge depends on whether it hit a debit card or a credit card. Different federal laws apply, with different clocks.
Debit Card or Bank Account
Unauthorized debit card charges and other electronic fund transfers are covered by the Electronic Fund Transfer Act and Regulation E. You must notify your bank within 60 days of the statement date on which the error first appeared. Once you report it, the bank has 10 business days to investigate. It can extend the review to 45 days, but only if it provisionally credits your account within those first 10 business days so you have access to the money while the investigation continues.
If your bank asks you to fill out a written form, don’t wait to report the problem in the meantime. The law requires the bank to begin investigating as soon as you notify it orally or in writing; it cannot delay while waiting for a signed statement.
Credit Card
Credit card billing errors are governed by the Fair Credit Billing Act. You have 60 days after the statement containing the error was sent to notify your card issuer in writing. The notice needs your name, account number, the amount you believe is wrong, and why you think it’s an error. The creditor then has up to two full billing cycles, and no more than 90 days, to investigate and either correct the charge or explain why it stands.
Filing a Chargeback
If contacting Everlywell directly doesn’t resolve the issue, or if you’re confident the charge is unauthorized, file a formal chargeback through your bank or card issuer. Provide the transaction date and amount, any communications with Everlywell (or evidence that you have no account with the company), and any order numbers you gathered while investigating. The more documentation you hand over upfront, the faster the dispute moves.