Endicia Charge on Credit Card: What It Means & How to Handle It

Introduction

Few things are more stressful than spotting an unfamiliar charge on your credit card statement. If you’ve noticed an entry labeled “Endicia” and you’re unsure what it is, you’re not alone. Many U.S. consumers and small business owners encounter this charge without immediately recognizing it.

In most cases, an Endicia charge is legitimate, linked to postage, shipping, or subscription services. However, if you don’t recall signing up for anything, it’s important to verify where the charge came from and know your options if it turns out to be unauthorized.

This guide explains what Endicia is, why it might appear on your credit card, how to confirm whether the charge is valid, and what steps to take if it isn’t.

---

What is Endicia?

Endicia is a U.S.-based postage and shipping technology company that integrates with the United States Postal Service (USPS). It provides online tools for printing postage, creating shipping labels, and managing mailing costs.

• Founded in the 1980s, Endicia has been a key player in digital postage solutions.
• It’s widely used by small businesses, eCommerce sellers, and individuals who ship items regularly.
• The company offers both pay-as-you-go postage purchases and monthly subscription plans for advanced features.

As of 2025, Endicia charges typically fall into two categories: postage purchases or subscription fees.

---

Why You Might See an Endicia Charge

There are several legitimate reasons Endicia may appear on your credit card statement:

1. Postage Label Purchases

If you (or someone in your household/business) purchased USPS postage online, Endicia may process the payment. For example:

• Printing shipping labels for eBay, Etsy, or Shopify orders
• Buying postage directly through Endicia’s online platform

2. Subscription or Service Plan Fees

Endicia offers monthly subscription plans that provide features like:

• Discounted USPS shipping rates
• Bulk label printing
• Reporting and tracking tools

If you signed up for one of these services, you may see a recurring monthly fee.

3. eCommerce Platform Integration

Endicia integrates with popular online marketplaces and eCommerce platforms. If you use shipping software or tools connected to your store, the charge may be routed through Endicia even if you didn’t sign up directly.

---

How to Verify the Charge

Before assuming fraud, take these steps to confirm whether the Endicia charge is legitimate:

1. Review Your Recent Postage Activity
   • Did you or your business ship packages through USPS recently?
   • Check if Endicia was the processor.
2. Check Your Business Accounts and Subscriptions
   • Many small businesses subscribe to Endicia without realizing it’s billed separately.
   • Look for subscription confirmations in your email.
3. Ask Family Members or Employees
   • Someone in your household or company may have used Endicia for shipping.
4. Contact Endicia Customer Support
   • Endicia has dedicated support to verify charges.
   • Visit their official site and use the support portal or phone number to confirm whether your account is linked to the charge.

---

What to Do if It’s Unauthorized

If you’ve confirmed that neither you nor anyone you trust authorized the charge, treat it as potential fraud. Here’s what to do:

1. Contact Endicia First
   • Ask if they can identify the account tied to your card.
   • If it’s an error, request a refund or cancellation.
2. Notify Your Credit Card Issuer
   • Call the number on the back of your card and report the charge.
   • Your bank may issue a temporary credit while they investigate.
3. Dispute Under the Fair Credit Billing Act (FCBA)
   • U.S. consumers are protected under the FCBA, which allows you to dispute unauthorized charges.
   • You generally have 60 days from the statement date to file.
4. Monitor Your Statements Closely
   • Check for additional suspicious charges.
   • Consider setting up transaction alerts for future peace of mind.
5. Cancel or Replace the Card if Needed
   • If fraud is suspected, your issuer may recommend canceling the card to prevent further charges.

---

Tips to Prevent Future Issues

To minimize the risk of confusion or fraud with shipping-related charges:

• Enable Transaction Alerts – Most banks let you receive instant text or email notifications.
• Use Separate Business Cards – Keep shipping expenses on a business card to track them easily.
• Review Recurring Billing Regularly – Cancel old subscriptions you no longer need.
• Keep Records of Shipping Tools – Document which platforms (e.g., eBay, Shopify, Etsy) connect with Endicia.

---

Frequently Asked Questions (FAQ)

1. Is Endicia a legitimate company?

Yes. Endicia is a legitimate USPS-approved postage provider used by businesses and individuals across the U.S.

2. Why does Endicia charge a monthly fee?

Endicia offers subscription-based plans that provide discounted shipping rates, bulk label printing, and advanced reporting. If you signed up for one, you’ll see a recurring fee.

3. Can I get a refund for an Endicia charge?

If the charge was made in error, contact Endicia’s support team. Refund eligibility depends on whether it was a postage purchase or a subscription fee.

4. How do I cancel an Endicia subscription?

You can cancel through your Endicia online account or by contacting their customer support directly. Be sure to request confirmation of cancellation.

5. Will disputing this charge affect my credit score?

No. Filing a legitimate dispute under the Fair Credit Billing Act will not hurt your credit score. However, unpaid disputed balances could if not handled promptly.

6. How can businesses track postage expenses better?

Use separate credit cards for shipping expenses, set up monthly account reviews, and integrate expense tracking software to monitor Endicia charges.

---

Conclusion

Seeing an unfamiliar Endicia charge on your credit card can be alarming, but in most cases, it’s tied to postage purchases or subscription services. The key is to verify the charge quickly—check your records, contact Endicia, and confirm whether it’s valid.

If the charge is unauthorized, you’re protected under U.S. consumer laws like the Fair Credit Billing Act, which gives you the right to dispute it with your card issuer.

Staying proactive—by monitoring your accounts, setting up alerts, and keeping business expenses separate—can help prevent confusion and protect your financial health in the future.