What is PADDLE.NET / PADDLE.COM on my credit card statement?

Quick Answer: A charge from PADDLE.NET or PADDLE.COM is a software or SaaS subscription purchase. Paddle acts as the merchant of record for thousands of independent developers, so their name appears instead of the actual app. To find the real vendor, search your email for a Paddle receipt or use their online transaction finder. Cancel through the link in your invoice or the developer's portal. If you can't identify the purchase, file a chargeback with your bank.

1. What is PADDLE.NET / PADDLE.COM?

Paddle is an all-in-one payment processor and merchant of record for independent software companies, AI services, and SaaS startups. They handle everything from checkouts and sales tax to customer invoices, meaning their company name replaces the product name on your credit card bill. If the amount is unfamiliar, your best bet is to look up the transaction on Paddle's buyer website or check your inbox for an official receipt.

Merchant Code: PADDLE.NET / PADDLE.COM

Billing Pattern: Software, AI tool, or SaaS subscription checkout

Recommended action: Check your inbox for a Paddle receipt or use their online order lookup tool to find the software vendor.

2. Why are you seeing this charge?

A small digital purchase

You bought a productivity app, browser extension, WordPress plugin, VPN, or AI writer, and forgot that Paddle managed the checkout process.

An automatic trial conversion

You signed up for a free or cheap trial, forgot to cancel, and it rolled over into a paid monthly or annual subscription.

An annual subscription renewal

An annual software fee renewed automatically for an application or service you signed up for last year.

A shared corporate card purchase

An employee or coworker used the company credit card to buy a design plugin or developer tool, and the invoice went to their business email.

A cancellation or refund request

You recognize the application but need help canceling the auto-renew or requesting a refund because you no longer use the software.

3. Is This a Scam or Legit?

⚠️ Highly likely to be a legitimate payment processor.

While Paddle itself is an established global merchant, some software companies that use it might have aggressive billing terms or confusing names. If you check Paddle’s official database and find no record of a purchase tied to your email or card, treat it as a suspicious charge and report it to your bank.

4. How to trace the charge back to an account

Search your email inbox: Look for messages containing "Paddle", "Paddle.com", or the exact dollar amount of the charge. The purchase receipt often lands in your spam folder.

Use Paddle's official transaction finder: Head to Paddle's buyer support website, where you can safely enter your transaction details to find exactly which software developer charged you.

Go straight to the source: Once you know the name of the software vendor, log into their platform to manage your active plans or turn off auto-renew.

5. What other cardholders are reporting

““I was so confused by a $29 charge from Paddle, but when I dug through my emails, I realized it was just the yearly renewal for a PDF converter tool I bought last summer.””

— Consumer report pattern 1

““I couldn't remember what this was, but searching my inbox for the exact dollar amount brought up the Paddle invoice right away.””

— Consumer report pattern 2

““My bank couldn't tell me what the charge was for, but Paddle's online buyer lookup tool immediately showed the developer's name and email.””

— Consumer report pattern 3

6. How to stop future charges

Cancel through the direct provider: Turn off the subscription inside your software account portal or through the link in your original Paddle email invoice. Deleting an app or an extension will not stop the billing.

Document your cancelation: Keep screenshots of your cancellation screen, and save the confirmation emails. These are valuable if you ever need to request a refund from a developer.

Request a merchant block: If a vendor ignores your requests and continues to charge you, call your credit card company and ask them to place a hard merchant block on Paddle to stop any future transactions.

7. How to Get Your Money Back

Scenario	Dispute Code	Exact Action to Take
Recognize the software but forgot subscription	4834 (Credit Not Processed)	Open the Paddle email receipt and click "Manage Subscription" to cancel auto-renew. Contact the software vendor directly for a refund on recent unused charges.
Don't recognize the charge at all	4837 (Merchant Info Request)	Go to Paddle's buyer support portal and enter your transaction details to identify the software vendor. Once identified, check if an account exists under your email.
Canceled before renewal but still charged	4853 (Services Not Received)	Gather screenshots of your cancellation confirmation and the date. Email the software vendor's support. If they refuse, file a dispute with your bank as "billed after cancellation."
Merchant refuses refund	4860 (Credit Card Dispute)	Request your bank to place a hard merchant block on PADDLE.NET. Provide all evidence (cancellation screenshots, emails, terms of service) to support your chargeback claim.

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8. Frequently Asked Questions

Is Paddle a scam?

No, Paddle is a legitimate and widely used billing platform for software developers and tech companies. The transaction simply means you bought a digital product or app that uses Paddle to process its checkouts.

Why does my bank statement show Paddle instead of the app?

Paddle acts as the 'merchant of record' for thousands of software developers. Instead of processing payments themselves, they partner with Paddle to handle sales tax, invoices, and card processing, which is why Paddle's name shows up on your statement.

How do I cancel a Paddle subscription?

You can cancel by opening the email receipt you received from Paddle and clicking the 'Manage Subscription' link. Alternatively, you can use Paddle's online buyer support portal to look up your order history and turn off auto-renewal.

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Privacy & rights note: ChargeDecode is an independent consumer-help research site. We do not store card numbers, bank logins, or personal banking data. We are not licensed lawyers, financial planners, or your bank, and this page is not legal or financial advice. Your refund and dispute rights depend on your issuer, location, timing, card network rules, and evidence; in the U.S., FCBA billing-error rights may be relevant for eligible credit-card disputes. Always verify charges directly with your card issuer and the merchant.