An SP Rowan Inc charge on your credit card or bank statement is a payment processed through Shopify for Rowan, Inc., a company that runs ear-piercing studios and sells hypoallergenic jewelry at heyrowan.com and in stores across more than 30 states.1Rowan. Store Locator The charge usually traces back to a piercing appointment, an in-studio jewelry purchase, or an online order. Rowan’s customer base skews toward families, so before assuming the charge is fraudulent, check with anyone else who uses the card: a partner or a teenager may have booked an appointment or picked up earrings.
What the “SP” Prefix Means
“SP” stands for Shopify Payments, the processor Rowan uses.2Shopify Community. What Name Appears on Customers’ Bank Statements After Purchase Historically, Shopify prepended “SP *” to the merchant’s name on card statements, producing descriptors like “SP Rowan Inc,” often followed by a string of reference numbers and a state abbreviation such as “NY.” Those trailing characters are internal transaction identifiers and don’t require any action on your part.
Shopify announced in April 2022 that it would stop automatically adding the “SP*” prefix to new descriptors, letting merchants show only their business name.3Shopify Community. Why Are My Customers Not Seeing SP on Their Card Statements You may still see Rowan’s charges with or without the prefix depending on when the company last updated its settings.
What Rowan Likely Charged You For
Rowan’s business is ear piercing performed by licensed nurses, together with hypoallergenic jewelry made from 14k gold, gold-plated metal, surgical-grade stainless steel, or titanium.4Rowan. Piercing Services If the dollar amount lines up with one of these, you’ve found your charge:
- Device piercings: $35 for a single, $50 for a double.5Rowan. Piercing Services
- Needle piercings (ages 5 and up): $35 each. Nose piercings (ages 13 and up): $45 each.5Rowan. Piercing Services
- Jewelry, billed in addition to the service fee: device-piercing jewelry starts at $60; needle-piercing jewelry starts at $68. A single device piercing with starter earrings can total $95 or more.5Rowan. Piercing Services
- A $25 post-change service fee to have a nurse swap out a piercing stud, weekdays only.5Rowan. Piercing Services
- Online jewelry orders through heyrowan.com, with free shipping over $150.
One note on recurring charges: Rowan discontinued its monthly earring subscription box in 2020 when it moved to physical studios,6CNBC. Rowan Piercing Founder Quit Wall Street Job to Start Business but a subscription management portal powered by Recharge still exists on the site, which suggests some recurring purchase option may still be active.7Rowan. Get Subscription Access If the charge repeats monthly, log in to your account at heyrowan.com and check for an active subscription tied to your card.
If You Don’t Recognize the Charge
Start with Rowan directly. The company can be reached at (646) 368-1247 or support@heyrowan.com.8Better Business Bureau. Rowan Inc BBB Profile Ask them to look up the transaction by the amount, date, and the last four digits of your card. If someone in your household made the purchase, this is usually where you’ll find out.
If Rowan can’t resolve it, file a billing dispute with your card issuer. Under the Fair Credit Billing Act, you have 60 days from the date the statement containing the charge was sent to submit a written dispute to the issuer’s billing address. The issuer must acknowledge the dispute within 30 days and resolve it within 90 days, and you can withhold payment on the disputed amount while the investigation runs.9Federal Trade Commission. Using Credit Cards and Disputing Charges
If the charge looks like fraud rather than a billing error, federal law caps your liability for unauthorized credit card charges at $50, and many issuers offer zero-liability policies beyond that. Suspected identity theft can be reported at IdentityTheft.gov.9Federal Trade Commission. Using Credit Cards and Disputing Charges
If You Recognize It but Want a Refund
Rowan accepts returns and exchanges on unused, unworn items within 30 days of delivery. Piercing studs and anything marked “final sale” cannot be returned, and piercing service fees and shipping fees are non-refundable. Online returns carry a $5 shipping fee, and refunds go back to the original payment method once the carrier scans the return package. Items bought in a studio must be returned in person at a studio.10Rowan. What Is Rowan’s Return and Exchange Policy
Returns and exchanges start at heyrowan.com/pages/returns-exchanges. For quality problems with jewelry, Rowan asks customers to email a photo to support@heyrowan.com.10Rowan. What Is Rowan’s Return and Exchange Policy Because piercing studs are final sale, customers unhappy with the jewelry after a piercing have limited recourse: in Better Business Bureau complaints involving pricing-transparency disputes, Rowan has sometimes refunded the piercing fee while declining to refund the jewelry, though in at least one case it issued a full refund covering piercing, jewelry, and aftercare.11Better Business Bureau. Rowan Inc Complaints