Everai Charge on Credit Card – What It Is & How to Dispute

This guide draws on analysis of EverAI’s official billing documentation, consumer complaint patterns on forums like Reddit, and U.S. federal consumer protection regulations — verified for accuracy as of 2025.

What Is EverAI Charge?

An EverAI charge is a payment processed by EverAI Limited, a company that operates an AI-powered photo and video editing application. The app uses artificial intelligence to enhance selfies, generate AI avatars, swap faces, and create stylized portraits. Users download the app for free, but most features require a paid subscription.

Many people believe EverAI is an unfamiliar or fraudulent entity because the company name is not prominently displayed during the sign-up process. The reality is that the charge almost always traces back to a free trial the user activated — often with just a single tap — that silently converted into a recurring subscription.

“If you subscribed to our service, the charge that will appear on your credit card statement will be displayed as ‘EverAI’. This means that when you check your financial statements or transaction history, you will see the name ‘EverAI’ associated with the payment.”

What most guides don’t mention is that the EverAI app uses a “dark pattern” common in subscription apps: the free trial screen is designed to look like you’re simply unlocking a feature, while the fine print about auto-renewal is in smaller text. This is why so many users genuinely do not recall subscribing. If you’ve encountered a similar confusing charge from another service, our guide on Gosq Com charge on credit card covers a nearly identical scenario.

EverAI Charge on Credit Card — How It Appears

The EverAI charge on credit card statements shows up under several merchant name variations depending on your bank and card issuer. Recognizing these variations is the first step toward identifying the charge.

Here are the most common descriptor formats:

The amount is typically $12.99 per month or $69.99 per year. Some users report a $1.00 temporary authorization hold during the free trial sign-up, which drops off before the full charge posts. If you see the EverAI charge on your credit card from Chase, Capital One, or any other issuer, the source is the same — the EverAI app subscription.

“Under FTC guidelines, companies must clearly and conspicuously disclose all material terms of a negative option offer before obtaining the consumer’s billing information.”

EverAI Limited Charge on Credit Card

The EverAI Limited charge on credit card statements refers to the same company — EverAI Limited is the registered legal entity behind the EverAI app. The company is incorporated in Malta, which is why international transaction fees sometimes appear alongside the charge.

A key detail many people overlook: if your credit card charges foreign transaction fees (typically 2–3% of the purchase amount), you will pay extra on top of the subscription price. For a $12.99 monthly charge, that adds roughly $0.26–$0.39 per month. This makes the EverAI Limited charge slightly higher than the advertised subscription price.

If you see “EverAI Limited” and did not knowingly subscribe, check your app store purchase history. On iPhone, go to Settings → Apple ID → Subscriptions. On Android, open the Google Play Store → Payments & Subscriptions. The subscription may have been processed through your app store rather than directly by EverAI.

EverAI Santa Venera Charge on Credit Card

The EverAI Santa Venera charge on credit card statements includes the company’s physical registered address. Santa Venera is a town in Malta, a small island nation in the Mediterranean. EverAI Limited lists its business address in Santa Venera, Malta (abbreviated as MT or MLT on statements).

Seeing a foreign location on your credit card statement naturally raises alarm. However, many legitimate tech companies register in Malta for tax and regulatory reasons within the European Union. The EverAI Santa Venera descriptor alone does not indicate fraud — it indicates a Malta-based merchant.

That said, if you have never downloaded the EverAI app or initiated a free trial, a charge from EverAI Santa Venera is suspicious. In this case, treat it as a potentially unauthorized transaction and follow the dispute steps outlined below. Users searching for “ever ai santa venera reddit” will find multiple threads confirming this pattern: the charge is almost always from a forgotten free trial, but genuine unauthorized charges do occur occasionally.

“If you see a charge on your credit card that you did not authorize, contact your credit card company immediately. Under federal law, you are not responsible for more than $50 in unauthorized charges on a credit card.”

EverAI $12.99 Charge — What It Means

The EverAI $12.99 charge is the standard monthly subscription price for the EverAI app’s premium features. This is the most commonly reported amount in consumer complaints and online discussions.

EverAI’s pricing structure typically includes:

• ✓ Free trial — usually 3 or 7 days with full feature access
• ✓ Monthly plan — $12.99/month after the trial expires
• ✓ Annual plan — $69.99/year (equivalent to ~$5.83/month)

The free trial is where confusion starts. You enter your credit card details to “unlock” premium features. If you forget to cancel before the trial ends, the $12.99 charge posts automatically. The EverAI payment then recurs monthly until you actively cancel. This auto-renewal model is the single biggest reason people search for “what is EverAI charge” — they entered a trial and forgot about it.

Ever AI Abbuchung (German Billing Explanation)

The term “Ever AI Abbuchung” is the German-language search for the EverAI charge. “Abbuchung” translates to “debit” or “charge” in English. German-speaking users see the same EverAI or EverAI Limited descriptor on their Kontoauszug (bank statement) and search for an explanation.

The charge is identical regardless of country. EverAI Limited processes payments globally through international payment processors. German users should follow the same cancellation and dispute procedures described in this guide. For EU residents, the European Commission’s consumer protection framework provides additional protections, including a 14-day withdrawal right for digital services under the Consumer Rights Directive.

“Consumers in the EU have the right to withdraw from a distance contract within 14 days without giving any reason, unless they have expressly consented to waive this right for digital content.”

EverAI on Bank Statement — Debit Card Users

EverAI charges also appear on debit card and bank account statements. The descriptor is the same — “EverAI,” “EverAI Limited,” or “EverAI Santa Venera” — but the implications for debit card users differ significantly from credit card users.

Here is the critical difference:

• Credit cards are protected under Regulation Z (Truth in Lending Act), which caps your liability for unauthorized charges at $50
• Debit cards fall under Regulation E (Electronic Fund Transfer Act), where your liability can reach $500 if you don’t report the unauthorized charge within two business days

Because debit card charges pull money directly from your bank account, an unauthorized EverAI charge on a debit card creates an immediate cash-flow impact. With a credit card, the charge remains on your statement while you dispute it — your actual cash is not affected. This is one reason financial experts consistently recommend using credit cards rather than debit cards for online subscriptions. If you frequently deal with unexpected charges, consider using a virtual credit card to isolate subscription payments.

Is EverAI a Scam?

EverAI is a real company with a real product — it is not a scam in the traditional sense. The app is available on both the Apple App Store and Google Play Store, and it has been reviewed by thousands of users. However, the company’s aggressive subscription tactics have generated significant consumer frustration.

The reason “EverAI scam” is a popular search term comes down to three factors:

1. Opaque free trial enrollment — Users tap through screens quickly without realizing they have committed to a paid subscription
2. Difficult cancellation process — Some users report difficulty finding the cancellation option or not receiving confirmation
3. Unfamiliar merchant name — The app markets itself under various brand names, but the charge shows “EverAI,” which users do not recognize

A common misconception is that “EverAI” and “Everi” are the same company. They are not. Everi Holdings Inc. is a legitimate, publicly traded gaming technology company (NYSE: EVRI). EverAI Limited is a completely separate Malta-based software company. If you see “Everi” on your statement, that is related to casino or gaming transactions — entirely different from the AI photo app. This distinction matters because disputing the wrong company wastes your time.

“You have the right to dispute billing errors on your credit card statement. The credit card company must acknowledge your dispute within 30 days and resolve it within two billing cycles.”

How to Cancel Your EverAI Subscription

Canceling your EverAI subscription stops future charges but does not automatically refund past charges. You must cancel the subscription separately from filing a dispute. Here is how to do it on each platform.

Cancel EverAI on iPhone (iOS)

1. Open Settings on your iPhone
2. Tap your Apple ID at the top of the screen
3. Select “Subscriptions”
4. Find EverAI in the list and tap it
5. Tap “Cancel Subscription” and confirm

Cancel EverAI on Android

1. Open the Google Play Store app
2. Tap your profile icon in the top right
3. Select “Payments & subscriptions” → “Subscriptions”
4. Find EverAI and tap it
5. Tap “Cancel subscription” and follow the prompts

Cancel Directly Through EverAI

If you subscribed through the EverAI website rather than an app store, log in at everai.ai and navigate to your account settings. Look for a “Manage Subscription” or “Billing” section. Some users searching for “EverAI Santa Venera login” are trying to find this portal — it is the main EverAI website.

After canceling, take a screenshot of the confirmation screen. This serves as proof if you need to dispute any charges that post after your cancellation date.

How to Dispute an EverAI Charge on Credit Card

If canceling alone is not enough — or if you were charged without your knowledge — you need to dispute the EverAI charge on credit card through your bank. The Fair Credit Billing Act gives you the right to dispute billing errors within 60 days of the statement date.

Follow these steps:

1. Cancel the subscription first — Stop future charges before disputing past ones. This prevents new charges from complicating your case.
2. Call your credit card issuer — Use the number on the back of your card. Tell them you want to dispute an unauthorized or unrecognized charge from “EverAI” or “EverAI Limited.”
3. File a written dispute — Most banks also require or offer a formal written dispute. You can usually submit this through your bank’s app or website under transaction details.
4. Provide documentation — Include your cancellation confirmation screenshot, any EverAI emails or receipts, and a brief statement explaining you did not authorize the charge (or that the free trial terms were not clearly disclosed).
5. Request a chargeback — Your bank will initiate a chargeback, temporarily crediting your account while they investigate. The investigation typically takes 30–90 days.
6. Follow up — If you don’t hear back within 30 days, call your bank again. Document every interaction with dates and representative names.

For those who have dealt with similar mysterious charges, our breakdown of Veradyn charge on credit card walks through an almost identical dispute process. The same principles apply to any unexpected recurring subscription charge, including the SL Nord Products charge on credit card that many users have reported.

“The law limits your responsibility for unauthorized charges to $50. Many card issuers offer zero-liability policies that go further, meaning you won’t pay anything for fraudulent charges.”

How to Avoid EverAI Charge on Credit Card

Prevention is far easier than disputing charges after the fact. These practical steps help you avoid an EverAI charge on credit card — and similar subscription traps — entirely.

• ✓ Read free trial terms carefully — Before tapping “Start Free Trial,” look for the subscription price and renewal date in the fine print
• ✓ Set a calendar reminder — If you do start a trial, set an alarm for one day before it expires so you can cancel in time
• ✓ Use a virtual credit card — Services like Privacy.com let you create a card number with a spending limit of $1, effectively blocking any auto-renewal. Our guide to the best virtual credit card apps in the USA covers your options
• ✓ Review app store subscriptions monthly — Both iOS and Android have built-in subscription management screens. Check them on the first of every month
• ✓ Enable transaction alerts — Most banks let you set up instant push notifications for any charge over $1. This catches surprise charges immediately
• ✓ Avoid entering payment info for “free” apps — If an app asks for your credit card number to access “free” features, that is a strong signal it will auto-charge you later

One insider tip: Apple and Google both have policies requiring app developers to clearly disclose subscription terms before purchase. If you believe EverAI’s free trial screen was misleading, you can report it directly to the FTC’s fraud reporting portal. Your complaint contributes to enforcement actions that protect other consumers.

Key Definitions

EverAI Charge

A recurring or one-time credit card transaction from EverAI Limited, a Malta-based company that operates an AI photo and video editing app. The charge appears after subscribing or completing a free trial that auto-renews.

Chargeback

A reversal of a credit card transaction initiated by the cardholder’s bank. You can request a chargeback when a charge is unauthorized, fraudulent, or when the merchant fails to provide the agreed-upon service.

Dark Pattern

A deceptive user interface design that tricks users into taking unintended actions, such as subscribing to a paid service during what appears to be a free trial setup. The FTC actively enforces against dark patterns in digital commerce.

Negative Option Marketing

A business practice where a consumer’s silence or failure to cancel is treated as acceptance of an offer. Free-trial-to-paid-subscription conversions are the most common form. The FTC’s Negative Option Rule regulates this practice.

Final Word on the EverAI Charge on Credit Card

The EverAI charge on credit card statements is a subscription payment from EverAI Limited, the Malta-based company behind the EverAI photo and video editing app. In most cases, the charge traces back to a free trial that auto-renewed. While EverAI is a legitimate business, its aggressive trial-to-subscription model catches many users off guard.

If you did not authorize the charge, act quickly: cancel the subscription through your app store, then dispute the EverAI charge on credit card with your bank. Federal law limits your liability to $50 for unauthorized credit card charges, and most issuers offer zero-liability protection. Keep documentation of everything — cancellation confirmations, screenshots, and dispute reference numbers.

Ultimately, the best defense against charges like these is prevention. Use virtual credit cards for trials, enable transaction alerts, and review your subscriptions regularly. Taking these steps keeps your credit card statement clean — and keeps unexpected EverAI charges from disrupting your finances.