A Zubbhelp charge on your bank or credit card statement is a recurring subscription billed by Gamma Billing Inc., a payment processor for adult entertainment sites. The descriptor is intentionally vague, which is why the charge often looks unfamiliar even when someone with access to the card signed up for it. You can stop future charges by canceling through SEGPAY, the billing company behind the transaction, and you can dispute past charges with your card issuer if the signup was unauthorized or a trial converted without clear consent.
What Zubbhelp Is
Zubbhelp.com is operated by Gamma Billing Inc., based in Santa Clarita, California. Its parent companies, Digigamma BV and Gamma Entertainment, supply adult digital content through various websites.1Zubbhelp. Welcome to zubbhelp.com
The nondescript statement name is by design. Adult content companies routinely use merchant descriptors that don’t reveal what was purchased, which is the main reason people search the name after spotting the charge. If no one you share the account with recognizes the signup, treat the charge as potentially unauthorized and work through both the cancellation and dispute steps below.
How the Charge Looks on Your Statement
The entry usually appears as one of a few variants:
- ZUBBHELP.COM, sometimes followed by a phone number or reference code
- ZUBBHELP800, which folds part of the support phone number into the descriptor
- Zubb Help, a spaced-out version used by some card processors
Monthly charges typically run between $29.99 and $49.99 depending on the subscription tier chosen at signup. Some memberships start with a low-cost trial, as little as $2.95 for a few days, that automatically converts to the full recurring price if it isn’t canceled before the trial ends. That’s the pattern that catches most people. The trial was months ago, nobody remembered it, and the recurring charge only surfaces during a routine statement check.
How to Cancel Through SEGPAY
Zubbhelp routes its payments through SEGPAY, a third-party billing company, and canceling there is the fastest way to stop future charges.2Segpay. How to Cancel Your Secure Segpay Payment Account You have three options:
- Use the self-service portal at cs.segpay.com and pick email, phone, or chat. You’ll need at least two of these three: the card used at signup, the email address used at signup, or the purchase ID from the original confirmation email.
- Call 1-866-450-4000 in the U.S. or +1-954-414-1610 internationally.
- Email [email protected] with your email address, purchase ID, and the first six and last four digits of the card used at signup.
Ask for a confirmation number, or save a screenshot of the confirmation screen. That record matters if the charges don’t actually stop and you have to escalate. Don’t assume a cancellation went through just because a representative said it did.
Disputing the Charge With Your Bank
If the merchant won’t refund you, or the signup was unauthorized, file a formal dispute with your card issuer. The protections differ between credit and debit cards.
Credit Card Disputes
Under federal law, you have 60 days from the date the statement containing the error was sent to dispute a billing error in writing. The letter should include your name, account number, the dollar amount, and why you believe the charge is wrong. Send it to the issuer’s billing inquiries address, not the payment address.3Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Once the issuer receives the dispute, it must acknowledge the notice within 30 days and resolve the matter within two complete billing cycles, capped at 90 days.4eCFR. 12 CFR 1026.13 Your maximum liability for unauthorized credit card charges is $50 under federal law, and most major issuers waive even that. While the investigation is pending, the issuer cannot try to collect the disputed amount or report it as delinquent.
Debit Card Disputes
Debit protections under the Electronic Fund Transfer Act work on a tighter clock with higher stakes. Your liability depends on how quickly you report the problem:5Consumer Financial Protection Bureau. 12 CFR 1005.6 – Liability of Consumer for Unauthorized Transfers
- Reported within 2 business days of learning about the unauthorized charge: liability caps at $50.
- Reported between 2 and 60 days: liability can reach $500.
- Reported after 60 days from when the statement was sent: you could be liable for the full amount of unauthorized transfers that occur after that window.
Your bank must investigate within 10 business days. It can extend the investigation to 45 days, but only if it provisionally credits your account within those initial 10 business days. For new accounts, point-of-sale debit transactions, or foreign-initiated transfers, that extended window stretches to 90 days.6Consumer Financial Protection Bureau. 12 CFR 1005.11 – Procedures for Resolving Errors This is where the SEGPAY cancellation confirmation helps. Give it to your bank so they can see you already tried to stop the charges at the source.
Federal Rules That Back You Up
Two federal laws target the practices that lead to surprise recurring charges.
Restore Online Shoppers’ Confidence Act
ROSCA makes it illegal to charge a consumer through a negative option feature online unless the seller clearly and conspicuously discloses all material terms, obtains express informed consent, and provides a simple way to stop recurring charges.7Congress.gov. Restore Online Shoppers’ Confidence Act If pricing or auto-renewal terms were buried in fine print, or if consent was pre-checked rather than actively given, the seller may have violated the law. That strengthens both a direct refund request and a bank dispute.
FTC Click-to-Cancel Rule
The FTC’s amended Negative Option Rule, which took effect in January 2025, requires that canceling a subscription be at least as simple as signing up. A seller cannot force you to cancel only by phone or route you through a multi-step runaround if you subscribed online.8Federal Register. Negative Option Rule The rule also prohibits misrepresenting material facts in marketing, failing to disclose terms before collecting billing information, and charging consumers without express informed consent.
Keeping It From Happening Again
The best defense is limiting what a merchant can do with your card after the first transaction.
- Use a virtual card number. Many issuers let you generate a card number for a single merchant or cap it at a specific limit. Load it with just enough to cover a trial and any later charge that exceeds that balance simply fails.
- Turn on transaction alerts. Push notifications or email alerts for every charge give you the maximum window to dispute, which matters most on debit cards where the liability clock starts right away.
- Calendar trial expirations. Set a reminder one day before any trial ends. Most unwanted subscription charges happen because people forget the trial existed.
- Review statements monthly. Small recurring charges are designed to fly under the radar. A quick scan of every line item catches what alerts might miss.
If a merchant won’t cooperate after you’ve already been charged, ask your bank to block future transactions from that specific merchant. Most issuers can flag a merchant ID so new charges are automatically declined, which acts as a backstop when cancellation confirmations don’t hold.