Mercatalyst Charge on Credit Card: What You Need to Know

Seeing a charge from Mercatalyst, Inc. on your credit card can be confusing — especially if you don’t recall signing up for anything. This article walks you through exactly what the charge may be, why it appears, how the company’s membership model works, and the steps you should take to cancel unwanted fees or dispute unauthorized charges. The goal: help you understand your options clearly, act promptly, and regain control of your credit card statement.

What is Mercatalyst, Inc.?

Mercatalyst, Inc. is a U.S.-based retail and e-commerce company headquartered in Carrollton, Texas. The company operates an “event-driven retail” portfolio of websites — meaning they create limited-time deals, partner with TV shows and deal communities, and offer special membership benefits. One of their key offerings is a membership program priced at $5.99 per month, which provides members with free shipping on certain affiliated sites.

Why You Might See a Charge from Mercatalyst

Here’s how a charge might show up on your statement and what it might mean:

Membership fee

If you signed up for the membership program, you may see a charge like $5.99/month. According to their website:

$5.99/month. One-click cancel, anytime.

Auto-renewal of membership

Memberships typically renew monthly unless cancelled. Their terms for an affiliate site (MorningSave, linked to Mercatalyst) say:

“Your membership will renew automatically month-to-month unless and until you cancel…” So if you joined once and forgot to cancel, monthly charges could appear.

Charges you don’t recognize

Some cardholders report seeing charges they did not expect, described as membership charges from Mercatalyst. For example, a BBB complaint states:

“I’ve been charged my credit card for a membership monthly. I do not know this … or what it is?” So if you see a small recurring fee and don’t recall joining, this might be the cause.

How to Interpret What You See on Your Credit Card Statement

Here’s what to look for and questions to ask:

• Check the descriptor carefully: The name on your statement may read “Mercatalyst”, but could also show a different name affiliated with the company or the merchant website.
• Check the amount: Does it match $5.99 or a similar monthly membership amount?
• Check for multiple charges: Is this a one-time charge or recurring?
• Review your account history: Did you create an account with Mercatalyst or one of their affiliate sites and sign up for a membership, even by accident?
• Look for cancellation terms: If you joined, how easy was it to cancel? Were you notified about renewal? Their terms for affiliates show automatic renewal unless you cancel.

What to Do If You Don’t Recognize the Charge

If you did not authorize the membership or don’t remember it, here are the steps you should follow.

Step-by-Step: What you can do

1. Log in (if possible) to your account on the merchant’s website (Mercatalyst’s support page) and check for any active membership. Their support page says you can sign in to help faster.
2. Cancel the membership if you find one. Make sure you follow through the cancellation so no further charges occur.
3. Document everything:
   • Take a screenshot of your statement showing the charge.
   • Save any emails or messages from the merchant confirming membership, renewal, or cancellation.
4. Contact the merchant’s support: Use the official support form of Mercatalyst (or the affiliate site) to ask for cancellation and refund of any unauthorized or unrecognized charge.
5. Contact your credit card issuer: If you still believe the charge is unauthorized:
   • Notify your bank/issuer.
   • Ask them to investigate the charge and potentially reverse it.
   • Ask them to block any further charges from this merchant if you don’t want to use the membership.
6. Monitor your statements for a few months to ensure no further unexpected charges appear.

Fair Warning: Membership Terms Matter

• Membership agreements linked to Mercatalyst’s affiliates show that the membership is automatic monthly renewal unless cancelled in advance.
• The fact that Mercatalyst is BBB-accredited and responded to complaints means the company is working to resolve issues, but that does not mean you automatically qualify for refund. For example, some complaints mention the member fee started and the customer claimed they did not authorize it.
• A business may show a “free trial” or promotional registration and then start charging monthly — always check the terms closely before you click “join”.

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FAQs

Is Mercatalyst a scam?

Based on public records, Mercatalyst, Inc. is a legitimate company (BBB-accredited, A+ rating).That said, legitimate does not mean it’s trouble-free. Some users report issues around membership, cancellation, and unexpected charges.

I didn’t know I signed up—what can I do?

Follow the steps above: log in and check your account, contact the merchant to cancel, and contact your credit card issuer to dispute if the charge is unauthorized.

Can I get a refund for the fee I was charged without knowing?

Possibly — it depends on the merchant’s policies and whether you signed up knowingly. You’ll need to check your membership terms and talk to both the merchant and your card issuer. The merchant may agree to refund if you ask. The issuer may process a chargeback if you show it was unauthorized.

How long do I have to dispute a charge?

Credit card issuers typically give you 60 days (under U.S. federal law for many cards) from the date the statement was issued to dispute unauthorized charges. Check with your card issuer.

Final Thoughts

If you see a charge from Mercatalyst on your credit card, don’t panic — it may simply be a membership you signed up for (even unintentionally). The key is to identify what the charge is, cancel any unwanted membership, and document everything in case you need to dispute the charge with your credit card company.
Taking action quickly is the best way to protect yourself from recurring fees.

Stay vigilant, review your statements regularly, and when in doubt, reach out to your card issuer for help.