{"id":17377,"date":"2026-05-12T17:42:30","date_gmt":"2026-05-12T17:42:30","guid":{"rendered":"https:\/\/cardvcc.com\/?p=17377"},"modified":"2026-05-12T17:42:48","modified_gmt":"2026-05-12T17:42:48","slug":"everai-charge-on-credit-card","status":"publish","type":"post","link":"https:\/\/cardvcc.com\/?p=17377","title":{"rendered":"Everai Charge on Credit Card \u2013 What It Is &amp; How to Dispute"},"content":{"rendered":"\n<div class=\"snippet-block\" style=\"background:#eff6ff;border-left:4px solid #2563eb;padding:16px 20px;margin:8px 0 24px;border-radius:6px;font-size:1.02em;line-height:1.75;color:#1e3a5f;\">\n<p><strong>An Everai charge on credit card is a billing transaction from EverAI Limited, an AI-powered photo and video editing subscription service registered in Santa Venera, Malta.<\/strong><\/p>\n<p>This charge typically appears as &#8220;EverAI,&#8221; &#8220;EverAI Limited,&#8221; or &#8220;EverAI Santa Venera&#8221; on your statement after you subscribe or complete a free trial that converts to a paid plan. Common amounts include $12.99\/month or $69.99\/year. If you do not recognize the charge, cancel your subscription through the EverAI app or website immediately, then dispute the transaction with your bank.<\/p>\n<\/div>\n\n\n\n<div class=\"tldr-box\" style=\"background:#f0fdf4;border-left:4px solid #16a34a;padding:16px 20px;margin:24px 0;border-radius:4px;\">\n<p><strong>TL;DR:<\/strong> The EverAI charge on your credit card comes from an AI photo\/video editing app. It often surprises users after a free trial ends and auto-renews into a paid subscription. This guide explains exactly what the charge is, how it appears on your statement (including &#8220;EverAI Santa Venera&#8221; and &#8220;EverAI Limited&#8221; variants), how to cancel, and step-by-step instructions to dispute and get a refund.<\/p>\n<\/div>\n\n\n<p>This guide draws on analysis of EverAI&#8217;s official billing documentation, consumer complaint patterns on forums like Reddit, and U.S. federal consumer protection regulations \u2014 verified for accuracy as of 2025.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Everai-Charge-on-Credit-Card.webp\" alt=\"Everai Charge on Credit Card\" class=\"wp-image-17405\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Everai-Charge-on-Credit-Card.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Everai-Charge-on-Credit-Card-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Everai-Charge-on-Credit-Card-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<div class=\"toc-box\" style=\"background:#f8fafc;border:1px solid #e2e8f0;padding:20px 28px;margin:28px 0;border-radius:8px;\">\n<p style=\"font-weight:700;margin-bottom:12px;\">Table of Contents<\/p>\n<ol style=\"margin:0;padding-left:20px;\">\n<li><a href=\"#what-is-everai-charge\" style=\"color:#2563eb;text-decoration:none;\">What Is EverAI Charge?<\/a><\/li>\n<li><a href=\"#everai-charge-on-credit-card-explained\" style=\"color:#2563eb;text-decoration:none;\">EverAI Charge on Credit Card \u2014 How It Appears<\/a><\/li>\n<li><a href=\"#everai-limited-charge\" style=\"color:#2563eb;text-decoration:none;\">EverAI Limited Charge on Credit Card<\/a><\/li>\n<li><a href=\"#everai-santa-venera\" style=\"color:#2563eb;text-decoration:none;\">EverAI Santa Venera Charge on Credit Card<\/a><\/li>\n<li><a href=\"#everai-1299-charge\" style=\"color:#2563eb;text-decoration:none;\">EverAI $12.99 Charge \u2014 What It Means<\/a><\/li>\n<li><a href=\"#ever-ai-abbuchung\" style=\"color:#2563eb;text-decoration:none;\">Ever AI Abbuchung (German Billing Explanation)<\/a><\/li>\n<li><a href=\"#everai-on-bank-statement\" style=\"color:#2563eb;text-decoration:none;\">EverAI on Bank Statement \u2014 Debit Card Users<\/a><\/li>\n<li><a href=\"#is-everai-a-scam\" style=\"color:#2563eb;text-decoration:none;\">Is EverAI a Scam?<\/a><\/li>\n<li><a href=\"#how-to-cancel-everai\" style=\"color:#2563eb;text-decoration:none;\">How to Cancel Your EverAI Subscription<\/a><\/li>\n<li><a href=\"#how-to-dispute-everai-charge\" style=\"color:#2563eb;text-decoration:none;\">How to Dispute an EverAI Charge on Credit Card<\/a><\/li>\n<li><a href=\"#how-to-avoid-everai-charge\" style=\"color:#2563eb;text-decoration:none;\">How to Avoid EverAI Charge on Credit Card<\/a><\/li>\n<li><a href=\"#key-definitions\" style=\"color:#2563eb;text-decoration:none;\">Key Definitions<\/a><\/li>\n<li><a href=\"#sources\" style=\"color:#2563eb;text-decoration:none;\">Sources &amp; References<\/a><\/li>\n<li><a href=\"#faq\" style=\"color:#2563eb;text-decoration:none;\">Frequently Asked Questions<\/a><\/li>\n<\/ol>\n<\/div>\n\n\n<h2 id=\"what-is-everai-charge\" style=\"margin-top:1.8em\">What Is EverAI Charge?<\/h2>\n\n<p>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.<\/p>\n\n<p>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 \u2014 often with just a single tap \u2014 that silently converted into a recurring subscription.<\/p>\n\n<blockquote cite=\"https:\/\/everai.zendesk.com\/hc\/en-us\/articles\/37774302428057-What-s-the-charge-in-the-billing-statement\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;If you subscribed to our service, the charge that will appear on your credit card statement will be displayed as &#8216;EverAI&#8217;. This means that when you check your financial statements or transaction history, you will see the name &#8216;EverAI&#8217; associated with the payment.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/everai.zendesk.com\/hc\/en-us\/articles\/37774302428057-What-s-the-charge-in-the-billing-statement\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#2563eb;text-decoration:none;\">EverAI Help Center<\/a>, Official Billing FAQ<\/footer><\/blockquote>\n\n<p>What most guides don&#8217;t mention is that the EverAI app uses a &#8220;dark pattern&#8221; common in subscription apps: the free trial screen is designed to look like you&#8217;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&#8217;ve encountered a similar confusing charge from another service, our guide on <a href=\"https:\/\/cardvcc.com\/gosq-com-charge-on-credit-card\/\">Gosq Com charge on credit card<\/a> covers a nearly identical scenario.<\/p>\n\n<h2 id=\"everai-charge-on-credit-card-explained\" style=\"margin-top:1.8em\">EverAI Charge on Credit Card \u2014 How It Appears<\/h2>\n\n<p>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.<\/p>\n\n<p>Here are the most common descriptor formats:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Statement Descriptor<\/th><th>Meaning<\/th><\/tr><\/thead><tbody><tr><td>EverAI<\/td><td>Standard charge from the AI photo app<\/td><\/tr><tr><td>EverAI Limited<\/td><td>Charge referencing the company&#8217;s legal entity name<\/td><\/tr><tr><td>EverAI Santa Venera<\/td><td>Charge showing the company&#8217;s registered address in Malta<\/td><\/tr><tr><td>EverAI Santa Venera MT<\/td><td>Same as above, with Malta country code<\/td><\/tr><tr><td>EverAI Santa Venera MLT<\/td><td>Alternate Malta code variant<\/td><\/tr><tr><td>EVERAI*subscription<\/td><td>Some processors append the product type<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>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 \u2014 the EverAI app subscription.<\/p>\n\n<blockquote cite=\"https:\/\/www.ftc.gov\/news-events\/topics\/consumer-protection\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;Under FTC guidelines, companies must clearly and conspicuously disclose all material terms of a negative option offer before obtaining the consumer&#8217;s billing information.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/negative-option-rule\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Trade Commission<\/a>, Negative Option Rule<\/footer><\/blockquote>\n\n<h2 id=\"everai-limited-charge\" style=\"margin-top:1.8em\">EverAI Limited Charge on Credit Card<\/h2>\n\n<p>The EverAI Limited charge on credit card statements refers to the same company \u2014 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.<\/p>\n\n<p>A key detail many people overlook: if your credit card charges foreign transaction fees (typically 2\u20133% 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\u2013$0.39 per month. This makes the EverAI Limited charge slightly higher than the advertised subscription price.<\/p>\n\n<p>If you see &#8220;EverAI Limited&#8221; and did not knowingly subscribe, check your app store purchase history. On iPhone, go to Settings \u2192 Apple ID \u2192 Subscriptions. On Android, open the Google Play Store \u2192 Payments &#038; Subscriptions. The subscription may have been processed through your app store rather than directly by EverAI.<\/p>\n\n<h2 id=\"everai-santa-venera\" style=\"margin-top:1.8em\">EverAI Santa Venera Charge on Credit Card<\/h2>\n\n<p>The EverAI Santa Venera charge on credit card statements includes the company&#8217;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).<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-santa-venera-charge.webp\" alt=\"everai santa venera charge\" class=\"wp-image-17403\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-santa-venera-charge.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-santa-venera-charge-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-santa-venera-charge-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<p>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 \u2014 it indicates a Malta-based merchant.<\/p>\n\n<p>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 &#8220;ever ai santa venera reddit&#8221; will find multiple threads confirming this pattern: the charge is almost always from a forgotten free trial, but genuine unauthorized charges do occur occasionally.<\/p>\n\n<blockquote cite=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-if-i-see-an-unauthorized-charge-on-my-credit-card-en-1343\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;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.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-if-i-see-an-unauthorized-charge-on-my-credit-card-en-1343\/\" target=\"_blank\" rel=\"noopener noreferrer\">Consumer Financial Protection Bureau (CFPB)<\/a>, Consumer Guidance<\/footer><\/blockquote>\n\n<h2 id=\"everai-1299-charge\" style=\"margin-top:1.8em\">EverAI $12.99 Charge \u2014 What It Means<\/h2>\n\n<p>The EverAI $12.99 charge is the standard monthly subscription price for the EverAI app&#8217;s premium features. This is the most commonly reported amount in consumer complaints and online discussions.<\/p>\n\n<p>EverAI&#8217;s pricing structure typically includes:<\/p>\n<ul>\n<li>\u2713 <strong>Free trial<\/strong> \u2014 usually 3 or 7 days with full feature access<\/li>\n<li>\u2713 <strong>Monthly plan<\/strong> \u2014 $12.99\/month after the trial expires<\/li>\n<li>\u2713 <strong>Annual plan<\/strong> \u2014 $69.99\/year (equivalent to ~$5.83\/month)<\/li>\n<\/ul>\n\n<p>The free trial is where confusion starts. You enter your credit card details to &#8220;unlock&#8221; 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 &#8220;what is EverAI charge&#8221; \u2014 they entered a trial and forgot about it.<\/p>\n\n<h2 id=\"ever-ai-abbuchung\" style=\"margin-top:1.8em\">Ever AI Abbuchung (German Billing Explanation)<\/h2>\n\n<p>The term &#8220;Ever AI Abbuchung&#8221; is the German-language search for the EverAI charge. &#8220;Abbuchung&#8221; translates to &#8220;debit&#8221; or &#8220;charge&#8221; in English. German-speaking users see the same EverAI or EverAI Limited descriptor on their Kontoauszug (bank statement) and search for an explanation.<\/p>\n\n<p>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 <a href=\"https:\/\/ec.europa.eu\/info\/law\/law-topic\/consumer-protection-law_en\" target=\"_blank\" rel=\"noopener noreferrer\">European Commission&#8217;s consumer protection framework<\/a> provides additional protections, including a 14-day withdrawal right for digital services under the Consumer Rights Directive.<\/p>\n\n<blockquote cite=\"https:\/\/ec.europa.eu\/info\/law\/law-topic\/consumer-protection-law_en\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;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.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/ec.europa.eu\/info\/law\/law-topic\/consumer-protection-law_en\" target=\"_blank\" rel=\"noopener noreferrer\">European Commission<\/a>, Consumer Rights Directive<\/footer><\/blockquote>\n\n<h2 id=\"everai-on-bank-statement\" style=\"margin-top:1.8em\">EverAI on Bank Statement \u2014 Debit Card Users<\/h2>\n\n<p>EverAI charges also appear on debit card and bank account statements. The descriptor is the same \u2014 &#8220;EverAI,&#8221; &#8220;EverAI Limited,&#8221; or &#8220;EverAI Santa Venera&#8221; \u2014 but the implications for debit card users differ significantly from credit card users.<\/p>\n\n<p>Here is the critical difference:<\/p>\n<ul>\n<li><strong>Credit cards<\/strong> are protected under <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/statutes\/fair-credit-billing-act\" target=\"_blank\" rel=\"noopener noreferrer\">Regulation Z (Truth in Lending Act)<\/a>, which caps your liability for unauthorized charges at $50<\/li>\n<li><strong>Debit cards<\/strong> fall under Regulation E (Electronic Fund Transfer Act), where your liability can reach $500 if you don&#8217;t report the unauthorized charge within two business days<\/li>\n<\/ul>\n\n<p>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 \u2014 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 <a href=\"https:\/\/cardvcc.com\/10-best-virtual-credit-card-apps-in-usa\/\">virtual credit card<\/a> to isolate subscription payments.<\/p>\n\n<h2 id=\"is-everai-a-scam\" style=\"margin-top:1.8em\">Is EverAI a Scam?<\/h2>\n\n<p>EverAI is a real company with a real product \u2014 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&#8217;s aggressive subscription tactics have generated significant consumer frustration.<\/p>\n\n<p>The reason &#8220;EverAI scam&#8221; is a popular search term comes down to three factors:<\/p>\n<ol>\n<li><strong>Opaque free trial enrollment<\/strong> \u2014 Users tap through screens quickly without realizing they have committed to a paid subscription<\/li>\n<li><strong>Difficult cancellation process<\/strong> \u2014 Some users report difficulty finding the cancellation option or not receiving confirmation<\/li>\n<li><strong>Unfamiliar merchant name<\/strong> \u2014 The app markets itself under various brand names, but the charge shows &#8220;EverAI,&#8221; which users do not recognize<\/li>\n<\/ol>\n\n<p>A common misconception is that &#8220;EverAI&#8221; and &#8220;Everi&#8221; 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 &#8220;Everi&#8221; on your statement, that is related to casino or gaming transactions \u2014 entirely different from the AI photo app. This distinction matters because disputing the wrong company wastes your time.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-charge-on-credit-card-chase.webp\" alt=\"everai charge on credit card chase\" class=\"wp-image-17404\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-charge-on-credit-card-chase.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-charge-on-credit-card-chase-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/everai-charge-on-credit-card-chase-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<blockquote cite=\"https:\/\/www.consumerfinance.gov\/complaint\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;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.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-when-i-have-a-dispute-about-a-credit-card-charge-en-1348\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB<\/a>, Credit Card Dispute Rights<\/footer><\/blockquote>\n\n<h2 id=\"how-to-cancel-everai\" style=\"margin-top:1.8em\">How to Cancel Your EverAI Subscription<\/h2>\n\n<p>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.<\/p>\n\n<h3 style=\"margin-top:1.8em\">Cancel EverAI on iPhone (iOS)<\/h3>\n<ol>\n<li><strong>Open Settings<\/strong> on your iPhone<\/li>\n<li><strong>Tap your Apple ID<\/strong> at the top of the screen<\/li>\n<li><strong>Select &#8220;Subscriptions&#8221;<\/strong><\/li>\n<li><strong>Find EverAI<\/strong> in the list and tap it<\/li>\n<li><strong>Tap &#8220;Cancel Subscription&#8221;<\/strong> and confirm<\/li>\n<\/ol>\n\n<h3 style=\"margin-top:1.8em\">Cancel EverAI on Android<\/h3>\n<ol>\n<li><strong>Open the Google Play Store<\/strong> app<\/li>\n<li><strong>Tap your profile icon<\/strong> in the top right<\/li>\n<li><strong>Select &#8220;Payments &amp; subscriptions&#8221;<\/strong> \u2192 &#8220;Subscriptions&#8221;<\/li>\n<li><strong>Find EverAI<\/strong> and tap it<\/li>\n<li><strong>Tap &#8220;Cancel subscription&#8221;<\/strong> and follow the prompts<\/li>\n<\/ol>\n\n<h3 style=\"margin-top:1.8em\">Cancel Directly Through EverAI<\/h3>\n<p>If you subscribed through the EverAI website rather than an app store, log in at <a href=\"https:\/\/www.everai.ai\/\" target=\"_blank\" rel=\"noopener noreferrer\">everai.ai<\/a> and navigate to your account settings. Look for a &#8220;Manage Subscription&#8221; or &#8220;Billing&#8221; section. Some users searching for &#8220;EverAI Santa Venera login&#8221; are trying to find this portal \u2014 it is the main EverAI website.<\/p>\n\n<p>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.<\/p>\n\n<h2 id=\"how-to-dispute-everai-charge\" style=\"margin-top:1.8em\">How to Dispute an EverAI Charge on Credit Card<\/h2>\n\n<p>If canceling alone is not enough \u2014 or if you were charged without your knowledge \u2014 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.<\/p>\n\n<p>Follow these steps:<\/p>\n\n<ol>\n<li><strong>Cancel the subscription first<\/strong> \u2014 Stop future charges before disputing past ones. This prevents new charges from complicating your case.<\/li>\n<li><strong>Call your credit card issuer<\/strong> \u2014 Use the number on the back of your card. Tell them you want to dispute an unauthorized or unrecognized charge from &#8220;EverAI&#8221; or &#8220;EverAI Limited.&#8221;<\/li>\n<li><strong>File a written dispute<\/strong> \u2014 Most banks also require or offer a formal written dispute. You can usually submit this through your bank&#8217;s app or website under transaction details.<\/li>\n<li><strong>Provide documentation<\/strong> \u2014 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).<\/li>\n<li><strong>Request a chargeback<\/strong> \u2014 Your bank will initiate a chargeback, temporarily crediting your account while they investigate. The investigation typically takes 30\u201390 days.<\/li>\n<li><strong>Follow up<\/strong> \u2014 If you don&#8217;t hear back within 30 days, call your bank again. Document every interaction with dates and representative names.<\/li>\n<\/ol>\n\n<p>For those who have dealt with similar mysterious charges, our breakdown of <a href=\"https:\/\/cardvcc.com\/veradyn-charge-on-credit-card\/\">Veradyn charge on credit card<\/a> walks through an almost identical dispute process. The same principles apply to any unexpected recurring subscription charge, including the <a href=\"https:\/\/cardvcc.com\/sl-nord-products-charge-on-credit-card\/\">SL Nord Products charge on credit card<\/a> that many users have reported.<\/p>\n\n<blockquote cite=\"https:\/\/www.federalreserve.gov\/consumersinfo\/files\/disputingcreditcardcharges.pdf\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\"><p>&#8220;The law limits your responsibility for unauthorized charges to $50. Many card issuers offer zero-liability policies that go further, meaning you won&#8217;t pay anything for fraudulent charges.&#8221;<\/p><footer>\u2014 <a href=\"https:\/\/www.federalreserve.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve<\/a>, Consumer Information on Disputing Credit Card Charges<\/footer><\/blockquote>\n\n<h2 id=\"how-to-avoid-everai-charge\" style=\"margin-top:1.8em\">How to Avoid EverAI Charge on Credit Card<\/h2>\n\n<p>Prevention is far easier than disputing charges after the fact. These practical steps help you avoid an EverAI charge on credit card \u2014 and similar subscription traps \u2014 entirely.<\/p>\n\n<ul>\n<li>\u2713 <strong>Read free trial terms carefully<\/strong> \u2014 Before tapping &#8220;Start Free Trial,&#8221; look for the subscription price and renewal date in the fine print<\/li>\n<li>\u2713 <strong>Set a calendar reminder<\/strong> \u2014 If you do start a trial, set an alarm for one day before it expires so you can cancel in time<\/li>\n<li>\u2713 <strong>Use a virtual credit card<\/strong> \u2014 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 <a href=\"https:\/\/cardvcc.com\/10-best-virtual-credit-card-apps-in-usa\/\">best virtual credit card apps in the USA<\/a> covers your options<\/li>\n<li>\u2713 <strong>Review app store subscriptions monthly<\/strong> \u2014 Both iOS and Android have built-in subscription management screens. Check them on the first of every month<\/li>\n<li>\u2713 <strong>Enable transaction alerts<\/strong> \u2014 Most banks let you set up instant push notifications for any charge over $1. This catches surprise charges immediately<\/li>\n<li>\u2713 <strong>Avoid entering payment info for &#8220;free&#8221; apps<\/strong> \u2014 If an app asks for your credit card number to access &#8220;free&#8221; features, that is a strong signal it will auto-charge you later<\/li>\n<\/ul>\n\n<p>One insider tip: Apple and Google both have policies requiring app developers to clearly disclose subscription terms before purchase. If you believe EverAI&#8217;s free trial screen was misleading, you can report it directly to <a href=\"https:\/\/reportfraud.ftc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">the FTC&#8217;s fraud reporting portal<\/a>. Your complaint contributes to enforcement actions that protect other consumers.<\/p>\n\n<h2 id=\"key-definitions\" style=\"margin-top:1.8em\">Key Definitions<\/h2>\n\n<dl style=\"background:#f8fafc;padding:16px 20px;border-radius:8px;border:1px solid #e2e8f0;margin:24px 0;\">\n<dt style=\"font-weight:700;margin-bottom:4px;\">EverAI Charge<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">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.<\/dd>\n\n<dt style=\"font-weight:700;margin-bottom:4px;\">Chargeback<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">A reversal of a credit card transaction initiated by the cardholder&#8217;s bank. You can request a chargeback when a charge is unauthorized, fraudulent, or when the merchant fails to provide the agreed-upon service.<\/dd>\n\n<dt style=\"font-weight:700;margin-bottom:4px;\">Dark Pattern<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">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.<\/dd>\n\n<dt style=\"font-weight:700;margin-bottom:4px;\">Negative Option Marketing<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">A business practice where a consumer&#8217;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&#8217;s Negative Option Rule regulates this practice.<\/dd>\n<\/dl>\n\n\n<div class=\"disclaimer-box\" style=\"padding:14px 18px;margin:32px 0;border-radius:4px;font-size:0.92em;\"><strong>\u26a0\ufe0f Financial Disclaimer:<\/strong> This article is for informational purposes only and does not constitute financial advice. Always consult a qualified financial advisor before making financial or credit decisions. Results may vary based on individual circumstances.<\/div>\n\n\n<section class=\"sources\" style=\"margin-top:2em;padding:20px;background:#f8fafc;border-radius:8px;border:1px solid #e2e8f0;\">\n<h2 id=\"sources\" style=\"margin-top:1.8em\">Sources &amp; References<\/h2>\n<ul>\n<li><a href=\"https:\/\/everai.zendesk.com\/hc\/en-us\/articles\/37774302428057-What-s-the-charge-in-the-billing-statement\" target=\"_blank\" rel=\"noopener noreferrer\">EverAI Help Center \u2014 What&#8217;s the Charge in the Billing Statement?<\/a><\/li>\n<li><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-if-i-see-an-unauthorized-charge-on-my-credit-card-en-1343\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB \u2014 What Should I Do If I See an Unauthorized Charge on My Credit Card?<\/a><\/li>\n<li><a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/negative-option-rule\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Trade Commission \u2014 Negative Option Rule<\/a><\/li>\n<li><a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/statutes\/fair-credit-billing-act\" target=\"_blank\" rel=\"noopener noreferrer\">FTC \u2014 Fair Credit Billing Act<\/a><\/li>\n<li><a href=\"https:\/\/www.federalreserve.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve \u2014 Consumer Information on Disputing Credit Card Charges<\/a><\/li>\n<li><a href=\"https:\/\/ec.europa.eu\/info\/law\/law-topic\/consumer-protection-law_en\" target=\"_blank\" rel=\"noopener noreferrer\">European Commission \u2014 Consumer Protection Law (Consumer Rights Directive)<\/a><\/li>\n<li><a href=\"https:\/\/reportfraud.ftc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">FTC \u2014 Report Fraud Portal<\/a><\/li>\n<\/ul>\n<\/section>\n\n\n<div class=\"faq-section\" style=\"margin-top:2em;\">\n<h2 id=\"faq\" style=\"margin-top:1.8em\">Frequently Asked Questions<\/h2>\n\n<div class=\"faq-item\" style=\"border-bottom:1px solid #e5e7eb;padding:18px 0;\">\n<h3 style=\"margin:0 0 8px;font-size:1.05em;\">what is everai charge<\/h3>\n<p style=\"margin:0;\">An EverAI charge is a credit or debit card transaction from EverAI Limited, a Malta-based company that runs an AI-powered photo and video editing app. The charge typically posts after a user signs up for a free trial that automatically converts to a paid subscription. Common amounts are $12.99 per month or $69.99 per year. If you don&#8217;t recognize the charge, check your app store subscriptions and cancel immediately if you didn&#8217;t intend to subscribe.<\/p>\n<\/div>\n\n<div class=\"faq-item\" style=\"border-bottom:1px solid #e5e7eb;padding:18px 0;\">\n<h3 style=\"margin:0 0 8px;font-size:1.05em;\">what is everai charge on credit card<\/h3>\n<p style=\"margin:0;\">The EverAI charge on credit card is a subscription payment for the EverAI photo editing app. It appears under descriptors like &#8220;EverAI,&#8221; &#8220;EverAI Limited,&#8221; or &#8220;EverAI Santa Venera&#8221; on your statement. The charge originates from EverAI Limited, registered in Santa Venera, Malta. Most users encounter this charge after a free trial period ends and the app begins billing automatically. To resolve it, cancel the subscription through your app store settings and dispute the charge with your bank if it was unauthorized.<\/p>\n<\/div>\n\n<div class=\"faq-item\" style=\"border-bottom:1px solid #e5e7eb;padding:18px 0;\">\n<h3 style=\"margin:0 0 8px;font-size:1.05em;\">what is everai limited charge<\/h3>\n<p style=\"margin:0;\">EverAI Limited is the legal entity name of the company behind the EverAI app. When you see &#8220;EverAI Limited&#8221; on your credit card or bank statement, it refers to the same AI photo and video editing subscription service. The company is incorporated in Malta, which is why your bank may flag it as an international transaction. Some card issuers add a foreign transaction fee of 2\u20133% on top of the subscription price because the payment is processed outside the United States.<\/p>\n<\/div>\n\n<div class=\"faq-item\" style=\"border-bottom:1px solid #e5e7eb;padding:18px 0;\">\n<h3 style=\"margin:0 0 8px;font-size:1.05em;\">how to avoid everai charge on credit card<\/h3>\n<p style=\"margin:0;\">To avoid an EverAI charge on credit card, never enter your payment details for a &#8220;free&#8221; trial unless you intend to subscribe. If you do start a trial, set a phone reminder to cancel at least one day before the trial expires. Use a virtual credit card with a low spending limit so auto-renewal charges get declined. Review your app store subscriptions monthly \u2014 on iPhone under Settings \u2192 Subscriptions, and on Android in the Google Play Store under Payments &#038; Subscriptions. Enabling real-time transaction alerts from your bank also catches unexpected charges immediately.<\/p>\n<\/div>\n\n<div class=\"faq-item\" style=\"border-bottom:1px solid #e5e7eb;padding:18px 0;\">\n<h3 style=\"margin:0 0 8px;font-size:1.05em;\">Can I get a refund for an EverAI charge?<\/h3>\n<p style=\"margin:0;\">Yes, refunds are possible through two paths. First, contact EverAI&#8217;s customer support directly through their help center or app \u2014 some users report receiving refunds for recent charges. Second, if EverAI does not cooperate, file a chargeback dispute with your credit card company. Under the Fair Credit Billing Act, you have 60 days from the statement date to dispute unauthorized charges. Your bank will investigate and temporarily credit your account during the process, which typically takes 30\u201390 days to resolve.<\/p>\n<\/div>\n\n<\/div>\n\n\n<h2 id=\"conclusion\" style=\"margin-top:1.8em\">Final Word on the EverAI Charge on Credit Card<\/h2>\n\n<p>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.<\/p>\n\n<p>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 \u2014 cancellation confirmations, screenshots, and dispute reference numbers.<\/p>\n\n<p>Ultimately, the best defense against charges like these is prevention. Use virtual credit cards for trials, enable transaction alerts, and review your subscriptions regularly. 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