Unknown trustcheck.club Charge on Your Card or MoMo Statement

Short answer: A charge showing "trustcheck.club" does not come from TrustCheck (trustcheckapp.com). We are a free site and we never charge you to check a number, a website or a business. TrustCheck Club is a separate, unrelated service. To deal with the charge: confirm the details on your statement, cancel with the merchant, then ask your bank or card provider to stop it and, if needed, dispute it.

First, is it really us?

The names look alike, and that confuses many people. TrustCheck is a free Ghanaian website and home-screen app at trustcheckapp.com. You do not need to pay to use it. Our only paid products are Pro plans for businesses, and those are paid through Paystack on our own site. If your statement says trustcheck.club, it is a different company. Read our companion guide for more: TrustCheck Club (trustcheck.club): How to Cancel, Get a Refund, and Why It Is Not TrustCheck.

We cannot see or cancel anyone's TrustCheck Club subscription, and we cannot promise a refund from them. Only that company, your bank or your card provider can do that.

Step 1: Read the statement carefully

• Write down the exact name, date, amount and currency of each charge.
• Check whether it repeats every week or month. Repeating charges usually mean a subscription or a trial that rolled over.
• Think back: did you sign up for a trial, a "search" or a "report" on any website? Free-looking trials often ask for card details.
• Ask family members who use the card or the phone.

Step 2: Check whether it is a scam or a subscription

There are two common stories:

• A forgotten trial. You entered your card for a cheap or free trial and it turned into regular charges. This is a subscription trap. See $1 Trials That Turn Into Monthly Charges for how these work.
• A charge you never agreed to. If you never visited the site or gave your card details, your card details may have been stolen. Treat it as fraud and move fast.

You can also check a website on TrustCheck to see if other people have reported it. If nothing shows up, that does not prove it is safe. It only means nobody has reported it to us yet.

Step 3: Stop future charges

1. Cancel with the merchant. Look for the cancel link or contact details in the sign-up email or receipt. Keep a screenshot of every step and any confirmation.
2. Call your bank or card provider. Use the number on the back of your card, not a number from a search result or a message. Ask them to block the merchant or to stop the recurring payment.
3. Consider replacing the card. If you did not sign up for it, ask for a new card number so the same details cannot be charged again.
4. Check other statements. Look for other small charges you missed.

If the charge came from Mobile Money

Most MoMo wallets cannot be charged by a stranger without your approval. If money left your wallet, ask yourself whether you approved a prompt, shared a PIN or typed a code. Never share your PIN or OTP with anyone, not even someone who says they are from support.

• Contact your MoMo provider through its official line right away and give the transaction ID, amount and time.
• If someone tricked you into approving it, report it too. Our guide on how to report a scam in Ghana lists the steps.
• If you lost money, you can also contact the Ghana Police Cybercrime Unit or the Cyber Security Authority on 292.

A provider will look at your case, but nobody can promise a reversal in advance.

Step 4: Ask for a refund

1. Ask the merchant first. Send a short, polite message with the date, amount and last four digits of your card. Say that you want to cancel and request a refund. Keep their reply.
2. If they refuse or ignore you, ask your bank to dispute the charge (a chargeback). Our guide on how to get a chargeback explains how this works. Banks usually ask for the details of the charge, what you tried and when. The sooner you report, the better.
3. Be honest. If you signed up for a trial, say so. If you never did, say that clearly.

The bank decides the outcome. We cannot promise you will get your money back, but good records help your case.

Keep records

• Screenshots of the statement and the merchant's website
• Emails, receipts and cancellation confirmations
• Dates and names of the people you spoke to at the bank

How to avoid this next time

• Read the small print before you enter card details for a "free" trial.
• Set a reminder to cancel before the trial ends.
• Use a card or wallet with a low balance for online sign-ups.
• Check a site first using TrustCheck and read our 10 checks for a legit website.

Seen the charge and want to warn others?

If you were charged unfairly, you can report it. Every report is checked by a person before it is published, so give clear details and do not share your PIN or full card number.