Introduction
Spotting an unfamiliar charge on your credit card statement can be stressful. For many Americans, these surprises come in the form of charges from companies they don’t immediately recognize. One such example is the Everai charge.
While some charges are legitimate (such as forgotten subscriptions or free trials that turned into paid plans), others may be unauthorized and a red flag for fraud. Knowing how to identify, verify, and handle charges like Everai is essential for protecting your money and credit.
This guide breaks down what Everai is, why its charges may appear, and what steps you can take if the charge is unauthorized.
What Is Everai?
As of 2025, there is limited verified information available about Everai’s exact services or billing practices. Reports from cardholders suggest the charge may stem from:
- App store subscriptions (Google Play or Apple App Store)
- Software or online services under the Everai name
- Recurring billing for premium features, memberships, or cloud-based services
⚠️ Because “Everai” isn’t widely recognized as a mainstream merchant, consumers should approach this charge with caution.
Why You Might See an Everai Charge
There are a few common reasons this charge may show up on your card statement:
1. Subscription Fees
Everai may operate a subscription-based service. If you or someone in your household signed up, you’ll likely see recurring monthly or annual fees.
2. App or Software Services
Some mobile apps and desktop software charge under the Everai billing name. These can include:
- Productivity apps
- Data storage tools
- Online learning platforms
3. Free Trial Turned Paid Subscription
Many apps allow a free trial but require card details upfront. If you forget to cancel before the trial ends, the service automatically bills your card.
4. Family or Shared Device Purchases
In households where multiple people use the same Apple ID, Google account, or shared credit card, one person’s subscription could lead to an Everai charge you don’t recognize.
How to Verify the Everai Charge
Before assuming fraud, it’s important to confirm whether the charge is legitimate. Here are steps to take:
- Check App Store or Play Store Subscriptions
- On iPhone: Go to Settings > Apple ID > Subscriptions.
- On Android: Open Google Play Store > Menu > Payments & subscriptions.
- Search Your Email for Receipts
Look for “Everai” or similar terms in your inbox. Legitimate subscriptions usually send a confirmation receipt. - Ask Family Members or Employees
If you share accounts or cards, check whether someone else signed up for Everai’s services. - Contact Everai Support
If available, visit Everai’s official website or support page to confirm the nature of the charge.
What to Do if It’s Unauthorized
If you confirm the charge is not legitimate, take the following steps immediately:
Step 1: Contact Your Credit Card Issuer
Call the number on the back of your card. Let them know you suspect fraud or an unauthorized charge.
Step 2: File a Dispute Under the Fair Credit Billing Act (FCBA)
The FCBA gives U.S. consumers the right to dispute unauthorized charges within 60 days of the statement date. During investigation, you are generally not required to pay the disputed amount.
Step 3: Monitor Your Statements
Keep an eye on future statements for other suspicious charges. Fraud often starts with small “test” transactions.
Step 4: Replace or Freeze the Card
If fraud is confirmed, request a new card with a new number. Some issuers also allow temporary freezes while disputes are resolved.
Tips to Avoid Future Issues
Being proactive can help you catch or prevent suspicious charges like Everai in the future:
- Enable SMS or Email Alerts – Get notified instantly whenever your card is charged.
- Use Virtual Credit Cards – Many banks and fintech apps allow disposable card numbers for online trials and subscriptions.
- Review Subscriptions Regularly – Cancel unused or forgotten services.
- Set Spending Limits – Some issuers let you set limits for online purchases.
- Check Statements Monthly – Don’t wait until a problem snowballs.
Frequently Asked Questions (FAQ)
1. Is Everai a legitimate company?
As of 2025, there is limited public information about Everai. The charge could be linked to a subscription service or app. If you can’t verify it, treat it as suspicious.
2. Can Everai charges be refunded?
If the charge is legitimate but accidental (e.g., forgotten subscription), you may request a refund directly from Everai or through the app store. If it’s unauthorized, your card issuer can reverse it after investigation.
3. How do I cancel an Everai subscription?
Check your App Store or Google Play Store subscriptions. If Everai is listed, cancel it directly there. If not, reach out to Everai’s customer support (if available).
4. What if someone else in my family used it?
It’s common for children or family members to sign up for apps or services without realizing they cost money. Confirm with everyone who has access to the shared card before filing a dispute.
5. How long does it take to resolve disputed charges?
Credit card disputes under the Fair Credit Billing Act can take up to two billing cycles (but not more than 90 days) to resolve.
6. Will disputing an Everai charge affect my credit score?
No. Filing a dispute does not impact your credit score. However, unpaid legitimate charges can hurt your score if left unresolved.
Conclusion
An unfamiliar Everai charge on your credit card doesn’t automatically mean fraud—but it does require quick action. Start by verifying the source through app stores, email receipts, or family accounts. If the charge is legitimate, cancel or request a refund. If it’s unauthorized, file a dispute with your card issuer under the Fair Credit Billing Act and monitor your statements closely.
The bottom line: stay proactive, monitor your accounts, and protect your credit.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.
