StatementDecoder

Charge prefix guide

What is a Paddle charge?

Paddle is a merchant of record for thousands of software companies — mostly SaaS tools, desktop apps, developer utilities and AI products. When you buy or subscribe to one of those apps, Paddle is legally the seller, so PADDLE.NET* appears on your statement instead of (or alongside) the app's name. Typical charges behind the descriptor: a monthly or annual SaaS subscription, a one-time app licence, a trial that converted to paid, or an in-app upgrade. The product name usually follows the asterisk, but truncation can cut it down to something unrecognisable, and an annual renewal can arrive a full year after you last thought about the product.

Important: a processor prefix identifies who processed the payment — not necessarily who you bought from.

Real examples of how it appears

  • PADDLE.NET* [product name]
  • PADDLE.NET* ALFRED
  • PADDLE.NET* GETASTRA
  • PADDLE.COM

Formats vary by bank — reference fragments, cities and codes come and go, but the prefix shape stays recognisable.

Descriptor formats to look for

  • PADDLE.NET*

How to verify the charge

  1. Read what follows PADDLE.NET* — it is normally the actual product's name; if it's truncated, search the fragment plus the word 'Paddle'.
  2. Search your email (all folders, including spam and promotions) for receipts from Paddle — Paddle emails a receipt to the address used at checkout, naming the product and amount.
  3. Use Paddle's own lookup: visit the support chat at paddle.net, where you can trace the transaction using the last 4 digits of the card, the amount and currency, the date, and the email you may have used — this is Paddle's official route, confirmed at https://www.paddle.com/about/why-has-paddle-charged-me.
  4. Once you know the product, manage or cancel the subscription via the link in the Paddle receipt email or through the product's own account settings.

Is it fraud?

The dominant benign explanation is a software subscription renewing — often an annual one you bought twelve months ago, or a free trial that converted, possibly under a different email address. Trace it through paddle.net's lookup before assuming the worst; the charge is almost always tied to a real purchase. Take it seriously if Paddle's lookup finds nothing under any of your emails and cards, or if several Paddle charges for products you've never heard of appear in quick succession — stolen cards do get used to buy software licences. Paddle can refund or cancel confirmed-unauthorised transactions as the merchant of record, which is faster than a chargeback; go to your bank only if the lookup route fails, and then get the card reissued.

Frequently asked questions

What is PADDLE.NET on my bank statement?

Paddle is the billing company (merchant of record) behind thousands of software apps and SaaS subscriptions. The charge is for one of those products — usually named after the asterisk in the descriptor — not for something called 'Paddle' itself.

How do I find out which product a Paddle charge is for?

Visit the support chat on paddle.net and look up the transaction with the card's last 4 digits, the amount, the date and your email. Also search your inbox for a Paddle receipt — it names the exact product and includes subscription management links.

How do I cancel a Paddle subscription?

Use the management link in any Paddle receipt email, cancel inside the product's own account settings, or ask Paddle support via paddle.net to cancel it. Because Paddle is the seller, they can stop billing directly without you needing to involve your bank.

Common misunderstandings

  • The city or state shown is often the company's registered address, not where you made the purchase.
  • Charges can post days or weeks after the purchase.
  • Small businesses may bill under a legal or holding-company name.

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StatementDecoder provides informational matches and may be incorrect. Contact your bank immediately if you suspect an unauthorised transaction.

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