{"id":18357,"date":"2026-04-19T11:23:38","date_gmt":"2026-04-19T11:23:38","guid":{"rendered":"https:\/\/cardvcc.com\/?p=18357"},"modified":"2026-04-22T15:44:08","modified_gmt":"2026-04-22T15:44:08","slug":"mass-hearty-charge-on-credit-card","status":"publish","type":"post","link":"https:\/\/cardvcc.com\/?p=18357","title":{"rendered":"Mass Hearty Charge on Credit Card \u2013 Complete Guide (2026)"},"content":{"rendered":"<p><!-- Author byline auto-injected by system \u2014 do NOT add one manually --><\/p>\n\n\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>A MASSPR HEARTY charge on credit card is a billing descriptor from Soham Inc., a Delaware-registered company that processes payments for digital subscription services.<\/strong><\/p>\n<p>This charge typically appears after a free trial converts to a paid plan or when a recurring subscription renews. If you don&#8217;t recognize it, contact the merchant first, then dispute the charge through your bank within 60 days to preserve your legal rights under the Fair Credit Billing Act.<\/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> A &#8220;MASSPR HEARTY&#8221; charge on your credit card or bank statement is a billing descriptor linked to Soham Inc., a company based in Dover, Delaware. If you don&#8217;t recognize this charge, it likely stems from a subscription service, a free trial you forgot to cancel, or unauthorized activity. This guide explains exactly what this charge is, how to verify it, and how to dispute or cancel it immediately \u2014 with step-by-step instructions for both credit and debit cardholders.<\/p>\n<\/div>\n\n\n<p style=\"font-size:0.85em;color:#6b7280;margin:-12px 0 20px;\"><em>Last reviewed and updated: April 2026 \u2014 verified against current regulatory guidance and financial data.<\/em><\/p>\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-masspr-hearty\" style=\"color:#2563eb;text-decoration:none;\">What Is the MASSPR HEARTY 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=\"#masspr-hearty-dover-meaning\" style=\"color:#2563eb;text-decoration:none;\">MASSPR HEARTY Dover Meaning \u2014 Who Is Behind This Charge?<\/a><\/li>\n<li><a href=\"#masspr-hearty-subscription\" style=\"color:#2563eb;text-decoration:none;\">MASSPR HEARTY Subscription \u2014 Why It Keeps Appearing<\/a><\/li>\n<li><a href=\"#massprofit-charge-on-credit-card\" style=\"color:#2563eb;text-decoration:none;\">MASSPROFIT Charge on Credit Card \u2014 Is It the Same Thing?<\/a><\/li>\n<li><a href=\"#how-to-identify\" style=\"color:#2563eb;text-decoration:none;\">How to Identify a MASSPR HEARTY Charge on Your Bank Statement<\/a><\/li>\n<li><a href=\"#debit-card-charges\" style=\"color:#2563eb;text-decoration:none;\">MASSPR HEARTY Charge on Debit Card \u2014 Key Differences<\/a><\/li>\n<li><a href=\"#is-it-legit-or-fraud\" style=\"color:#2563eb;text-decoration:none;\">Is MASSPR HEARTY Legit or Fraud?<\/a><\/li>\n<li><a href=\"#how-to-cancel-dispute\" style=\"color:#2563eb;text-decoration:none;\">How to Cancel or Dispute the MASSPR HEARTY Charge on Credit Card<\/a><\/li>\n<li><a href=\"#legal-protections\" style=\"color:#2563eb;text-decoration:none;\">Legal Protections That Cover You<\/a><\/li>\n<li><a href=\"#prevent-future-charges\" style=\"color:#2563eb;text-decoration:none;\">How to Prevent Unwanted Charges in the Future<\/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<p>If you spotted a <strong>MASSPR HEARTY charge on your credit card<\/strong> or debit card and have no idea what it is, you&#8217;re not alone. Thousands of cardholders search for this exact descriptor every month \u2014 variations like &#8220;MASSPRHEARTY,&#8221; &#8220;MASSPR_HEARTY,&#8221; and &#8220;MASS PR HEARTY&#8221; all point back to the same source. This guide draws on analysis of consumer financial complaints, regulatory filings, and billing-descriptor databases, reviewed for accuracy as of 2026, to give you a clear, actionable answer.<\/p>\n<p>Below, you&#8217;ll learn what &#8220;MASSPR HEARTY&#8221; and its variants mean, why it shows up on statements from Chase, Wells Fargo, Bank of America, and other banks, whether it&#8217;s legitimate or fraudulent, and exactly how to stop or dispute the charge right now.<\/p>\n<figure>\n<img fetchpriority=\"high\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Mass-Hearty-Charge-on-Credit-Card.webp\" alt=\"Mass Hearty Charge on Credit Card\" class=\"wp-image-18404\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Mass-Hearty-Charge-on-Credit-Card.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Mass-Hearty-Charge-on-Credit-Card-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/Mass-Hearty-Charge-on-Credit-Card-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><br \/>\n<\/figure>\n<h2 id=\"what-is-masspr-hearty\" style=\"margin-top:1.8em\">What Is the MASSPR HEARTY Charge on Credit Card?<\/h2>\n<p><strong>MASSPR HEARTY is a merchant billing descriptor used by Soham Inc. to process credit card and debit card charges for digital subscription services.<\/strong> The descriptor appears in several formats \u2014 &#8220;MASSPR_HEARTY,&#8221; &#8220;MASS PR HEARTY,&#8221; &#8220;MASSOR HEARTY,&#8221; and &#8220;MASSPR_HEARTY DOVER DE&#8221; \u2014 but they all refer to the same company and the same type of charge.<\/p>\n<p>Many people believe this charge is always fraudulent. The reality is more nuanced. In a significant number of cases, the charge traces back to a legitimate subscription you signed up for \u2014 often through a free trial that converted to a paid monthly plan after the trial window closed. However, it can also indicate unauthorized activity on your card, which is why verification is essential.<\/p>\n<blockquote cite=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/answers\/key-terms\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;A billing descriptor is the text that appears on your credit card statement identifying a specific transaction. It usually includes the merchant name, location, and sometimes a phone number.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#2563eb;text-decoration:none;\">Consumer Financial Protection Bureau (CFPB)<\/a>, Consumer Credit Card Resources<\/footer>\n<\/blockquote>\n<p>What most guides don&#8217;t mention is that billing descriptors like &#8220;MASSPR HEARTY&#8221; are often <em>dynamic descriptors<\/em> \u2014 meaning the merchant customizes the text that shows on your statement, and it may not match the brand name you originally interacted with. This is why the charge looks unfamiliar even when it&#8217;s technically authorized. You might have signed up for a product branded as something entirely different, but Soham Inc. is the payment processor behind it. Think of it like seeing &#8220;PayPal&#8221; on your statement when you actually bought shoes from a small online store.<\/p>\n<p>Here&#8217;s a concrete example: a cardholder signs up for a 7-day free trial of a wellness app. The app&#8217;s checkout page never mentions &#8220;MASSPR HEARTY&#8221; or &#8220;Soham Inc.&#8221; When the trial ends and the $29.99 monthly charge hits their Chase statement, it shows as &#8220;MASSPR HEARTY DOVER DE&#8221; \u2014 completely unrecognizable. This scenario accounts for the majority of consumer complaints related to this descriptor.<\/p>\n<h2 id=\"key-definitions\" style=\"margin-top:1.8em\">Key Definitions<\/h2>\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;\">MASSPR HEARTY<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">A merchant billing descriptor used by Soham Inc., a company incorporated in Dover, Delaware. It appears on credit card and debit card statements for recurring subscription charges related to digital products or services.<\/dd>\n<dt style=\"font-weight:700;margin-bottom:4px;\">Billing Descriptor<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">The text that appears on a cardholder&#8217;s statement to identify a transaction. It includes the merchant name, sometimes a location, and occasionally a customer service phone number. Descriptors can be &#8220;static&#8221; (always the same) or &#8220;dynamic&#8221; (customized per transaction).<\/dd>\n<dt style=\"font-weight:700;margin-bottom:4px;\">Negative Option Billing<\/dt>\n<dd style=\"margin-left:0;margin-bottom:12px;color:#374151;\">A billing practice where a consumer&#8217;s silence or failure to cancel is treated as consent to continue being charged. Free-trial-to-paid-subscription conversions are the most common form. The FTC has <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/negative-option-rule\" target=\"_blank\" rel=\"noopener noreferrer\">specific rules<\/a> governing this practice.<\/dd>\n<dt style=\"font-weight:700;margin-bottom:4px;\">Soham Inc.<\/dt>\n<dd style=\"margin-left:0;margin-bottom:0;color:#374151;\">The registered business entity behind the MASSPR HEARTY billing descriptor. Soham Inc. is incorporated in Dover, Delaware, and processes payments for digital subscription services.<\/dd>\n<\/dl>\n<h2 id=\"masspr-hearty-dover-meaning\" style=\"margin-top:1.8em\">MASSPR HEARTY Dover Meaning \u2014 Who Is Behind This Charge?<\/h2>\n<p>The &#8220;Dover&#8221; in <strong>MASSPR HEARTY Dover USA<\/strong> refers to Dover, Delaware \u2014 one of the most popular states for business incorporation in the United States. According to the <a href=\"https:\/\/corp.delaware.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Delaware Division of Corporations<\/a>, over 1.8 million business entities are currently registered in the state. Companies choose Delaware for its favorable corporate tax structure, business-friendly court system (the Court of Chancery), and streamlined filing process.<\/p>\n<p>The company behind this descriptor, <strong>Soham Inc.<\/strong>, is registered in Dover, DE. This is why your statement may show variations such as:<\/p>\n<ul>\n<li>\u2713 MASSPR_HEARTY Dover DE<\/li>\n<li>\u2713 MASSPR_HEARTYDOVER DE<\/li>\n<li>\u2713 MASSPR HEARTY DOVER USA<\/li>\n<li>\u2713 MASSPR_HEARTY DOVER<\/li>\n<\/ul>\n<blockquote cite=\"https:\/\/corp.delaware.gov\/aboutagency\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;More than 66% of Fortune 500 companies are incorporated in Delaware, alongside hundreds of thousands of small businesses that leverage the state&#8217;s well-established legal framework.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/corp.delaware.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Delaware Division of Corporations<\/a><\/footer>\n<\/blockquote>\n<p>Seeing &#8220;Dover DE&#8221; on a charge doesn&#8217;t automatically mean it&#8217;s a scam. However, because Delaware incorporation is fast, inexpensive, and requires minimal disclosure, both legitimate companies and questionable operators use it. The critical step is to verify whether <em>you<\/em> authorized the charge \u2014 not to assume guilt based on the location alone.<\/p>\n<p>If you&#8217;ve also encountered unfamiliar charges from other entities registered at generic-sounding addresses, our guide on <a href=\"https:\/\/cardvcc.com\/gosq-com-charge-on-credit-card\/\">Gosq.com charges on credit cards<\/a> explains a similar situation and how to handle it step by step.<\/p>\n<h2 id=\"masspr-hearty-subscription\" style=\"margin-top:1.8em\">MASSPR HEARTY Subscription \u2014 Why It Keeps Appearing<\/h2>\n<p>A <strong>MASSPR HEARTY subscription<\/strong> charge typically recurs on a monthly billing cycle. If this charge keeps showing up on your statement, one of these scenarios is almost certainly the explanation:<\/p>\n<ul>\n<li>\u2713 <strong>Free trial conversion:<\/strong> You signed up for a free trial of a digital service \u2014 health supplements, streaming, software, or a mobile app \u2014 and it converted to a paid monthly plan after the trial period ended. The FTC calls this &#8220;negative option&#8221; billing.<\/li>\n<li>\u2713 <strong>Auto-renewal:<\/strong> A subscription you once authorized is renewing automatically each billing cycle. Many services bury their auto-renewal disclosures in terms-of-service text that consumers rarely read.<\/li>\n<li>\u2713 <strong>Family member&#8217;s purchase:<\/strong> Someone with access to your card \u2014 a spouse, teenager, or authorized user \u2014 signed up for a service using your card number.<\/li>\n<li>\u2713 <strong>Unauthorized recurring charge:<\/strong> Your card details were compromised (through a data breach, phishing attack, or card skimmer) and used to set up a fraudulent subscription.<\/li>\n<\/ul>\n<p>According to the <a href=\"https:\/\/www.consumerfinance.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB<\/a>, subscription-related billing complaints increased by roughly 24% between 2021 and 2023, making negative-option billing one of the most common consumer complaints in the credit card space. The FTC strengthened its <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/negative-option-rule\" target=\"_blank\" rel=\"noopener noreferrer\">Negative Option Rule<\/a> in 2024 to require clearer disclosures and easier cancellation for subscription services \u2014 a direct response to this surge in complaints.<\/p>\n<blockquote cite=\"https:\/\/www.ftc.gov\/news-events\/topics\/consumer-finance\/consumer-sentinel-network\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;Imposter scams and recurring subscription complaints rank among the top categories reported to the FTC, with consumers often unaware they have been enrolled in paid services.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/www.ftc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Trade Commission<\/a>, Consumer Sentinel Network Data Book<\/footer>\n<\/blockquote>\n<h3 style=\"margin-top:1.8em\">How to Check if You Have an Active Subscription<\/h3>\n<p>Before assuming fraud, run through this checklist:<\/p>\n<ol>\n<li><strong>Search your email inbox<\/strong> for confirmation messages from &#8220;Soham Inc,&#8221; &#8220;MASSPR,&#8221; &#8220;Hearty,&#8221; or any digital product you recently tried. Use the search terms &#8220;receipt,&#8221; &#8220;subscription,&#8221; and &#8220;trial&#8221; as well.<\/li>\n<li><strong>Check your bank&#8217;s online portal<\/strong> \u2014 most card issuers now provide expanded merchant details when you click on a transaction. Look for a merchant website URL or phone number.<\/li>\n<li><strong>Review app store subscriptions<\/strong> on your phone. On iOS, go to Settings \u2192 Apple ID \u2192 Subscriptions. On Android, open Google Play \u2192 Payments &#038; Subscriptions. Some services bill through app stores rather than directly.<\/li>\n<li><strong>Call the phone number<\/strong> listed next to the charge on your statement. Legitimate merchants are required to include a contact number or URL in their billing descriptor.<\/li>\n<li><strong>Ask household members<\/strong> if they recognize the charge. Shared family accounts or authorized users on your card are a common \u2014 and often overlooked \u2014 explanation.<\/li>\n<\/ol>\n<h2 id=\"massprofit-charge-on-credit-card\" style=\"margin-top:1.8em\">MASSPROFIT Charge on Credit Card \u2014 Is It the Same Thing?<\/h2>\n<p>Some cardholders report seeing a <strong>MASSPROFIT charge on their credit card<\/strong> and wonder if it&#8217;s connected to MASSPR HEARTY. The two descriptors share a similar prefix, but they are not guaranteed to originate from the same merchant. Billing descriptors are set by payment processors, and different products or services \u2014 even from the same parent company \u2014 can use entirely different descriptors.<\/p>\n<p>Here&#8217;s how the most common descriptors compare:<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Descriptor<\/th>\n<th>Likely Source<\/th>\n<th>Common Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>MASSPR HEARTY<\/td>\n<td>Soham Inc. \u2014 digital subscription service<\/td>\n<td>$19.99\u2013$49.99\/month<\/td>\n<\/tr>\n<tr>\n<td>MASSPROFIT<\/td>\n<td>Potentially related entity or separate merchant<\/td>\n<td>Varies<\/td>\n<\/tr>\n<tr>\n<td>MASSPR_HEARTY DOVER DE<\/td>\n<td>Same as MASSPR HEARTY (with registered location)<\/td>\n<td>$19.99\u2013$49.99\/month<\/td>\n<\/tr>\n<tr>\n<td>SOHAM INC<\/td>\n<td>Parent company behind MASSPR HEARTY descriptor<\/td>\n<td>$19.99\u2013$49.99\/month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>If a MASSPROFIT charge appears alongside a MASSPR HEARTY charge on the same statement, contact your card issuer and request the full merchant identification number (MID) for both transactions. The MID is a unique code assigned to each merchant account \u2014 if both charges share the same MID, they come from the same source. If the MIDs differ, you&#8217;re dealing with two separate merchants.<\/p>\n<blockquote cite=\"https:\/\/www.federalreserve.gov\/paymentsystems.htm\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;Payment card networks assign unique merchant identification numbers to each business, enabling card issuers and cardholders to trace any transaction back to its originating merchant.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/www.federalreserve.gov\/paymentsystems.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve<\/a>, Payment Systems Overview<\/footer>\n<\/blockquote>\n<p>For a similar breakdown of confusing debit card charges from unfamiliar companies, see our article on <a href=\"https:\/\/cardvcc.com\/ctlp-charge-on-debit-card\/\">CTLP charges on debit cards<\/a>.<\/p>\n<h2 id=\"how-to-identify\" style=\"margin-top:1.8em\">How to Identify a MASSPR HEARTY Charge on Your Bank Statement<\/h2>\n<figure>\n<img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-wells-fargo.webp\" alt=\"mass hearty charge on credit card wells fargo\" class=\"wp-image-18402\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-wells-fargo.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-wells-fargo-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-wells-fargo-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><br \/>\n<\/figure>\n<p>When a <strong>MASSPR HEARTY charge appears on your bank statement<\/strong>, your statement typically provides several clues that help you determine whether the charge is legitimate. Here&#8217;s exactly what to look for:<\/p>\n<ul>\n<li>\u2713 <strong>Merchant name:<\/strong> &#8220;MASSPR HEARTY,&#8221; &#8220;MASSPR_HEARTY,&#8221; &#8220;MASS PR HEARTY,&#8221; or &#8220;MASSOR HEARTY&#8221;<\/li>\n<li>\u2713 <strong>Location:<\/strong> Dover, DE or Dover, USA<\/li>\n<li>\u2713 <strong>Merchant category code (MCC):<\/strong> Often classified under &#8220;digital goods,&#8221; &#8220;miscellaneous services,&#8221; or &#8220;subscription services&#8221;<\/li>\n<li>\u2713 <strong>Amount:<\/strong> Usually a recurring amount between $19.99 and $49.99<\/li>\n<li>\u2713 <strong>Contact number:<\/strong> A phone number may appear next to the charge \u2014 always call it first before filing a dispute<\/li>\n<li>\u2713 <strong>Transaction date pattern:<\/strong> Legitimate subscriptions hit on or near the same date each month<\/li>\n<\/ul>\n<h3 style=\"margin-top:1.8em\">Statement Variations by Bank<\/h3>\n<p>Different banks truncate, abbreviate, or format merchant descriptors differently. This table shows how the same charge appears across major U.S. card issuers:<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Bank<\/th>\n<th>How It May Appear<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Chase<\/td>\n<td>MASSPR HEARTY DOVER DE<\/td>\n<\/tr>\n<tr>\n<td>Wells Fargo<\/td>\n<td>MASSPR_HEARTY DOVER<\/td>\n<\/tr>\n<tr>\n<td>Bank of America<\/td>\n<td>MASSPRHEARTY<\/td>\n<\/tr>\n<tr>\n<td>Capital One<\/td>\n<td>MASSPR HEARTY<\/td>\n<\/tr>\n<tr>\n<td>Citi<\/td>\n<td>MASS PR HEARTY DOVER USA<\/td>\n<\/tr>\n<tr>\n<td>Discover<\/td>\n<td>MASSPR_HEARTYDOVER DE<\/td>\n<\/tr>\n<tr>\n<td>US Bank<\/td>\n<td>MASSPR_HEARTY<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>Regardless of formatting, these all refer to the same merchant and the same charge. The variation is purely cosmetic \u2014 it depends on how each bank&#8217;s processing system handles descriptor text. If you see similarly unrecognized charges from other merchants, our guide to the <a href=\"https:\/\/cardvcc.com\/venuplus-inc-credit-card-charge\/\">Venuplus Inc credit card charge<\/a> covers another commonly misidentified billing descriptor.<\/p>\n<h2 id=\"debit-card-charges\" style=\"margin-top:1.8em\">MASSPR HEARTY Charge on Debit Card \u2014 Key Differences<\/h2>\n<p>A <strong>MASSPR HEARTY charge on your debit card<\/strong> looks identical to the credit card version on your statement \u2014 same descriptor, same merchant, same amount. However, the financial implications are significantly different, and most guides gloss over this distinction.<\/p>\n<p>When a charge hits your debit card, the money leaves your bank account immediately. There is no billing cycle buffer. If the charge is fraudulent or unauthorized, those funds are gone until your bank completes its investigation and issues a provisional credit. This process can take 10 business days \u2014 and during that time, you may face overdraft fees, bounced payments, or insufficient funds for other bills.<\/p>\n<p>The legal protections also differ:<\/p>\n<ul>\n<li>\u2713 <strong>Credit cards (Regulation Z \/ FCBA):<\/strong> Maximum liability of $50 for unauthorized charges. Most major issuers offer $0 fraud liability. You have 60 days from the statement date to dispute.<\/li>\n<li>\u2713 <strong>Debit cards (Regulation E \/ EFTA):<\/strong> If you report within 2 business days, your liability caps at $50. Report between 2 and 60 days, and liability rises to $500. After 60 days, you could be liable for the full amount.<\/li>\n<\/ul>\n<p><strong>Bottom line:<\/strong> If you see a MASSPR HEARTY charge on your debit card that you don&#8217;t recognize, report it to your bank within 2 business days. The clock starts ticking faster with debit cards than with credit cards.<\/p>\n<blockquote cite=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;If someone uses your debit card without your permission, report it as soon as possible. Federal law gives you more protection the sooner you act.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB<\/a>, Unauthorized Debit Card Transactions<\/footer>\n<\/blockquote>\n<h2 id=\"is-it-legit-or-fraud\" style=\"margin-top:1.8em\">Is MASSPR HEARTY Legit or Fraud?<\/h2>\n<p>This is the question that brings most people to this page. The honest answer: <strong>MASSPR HEARTY is a real merchant descriptor used by a registered company, but whether your specific charge is legitimate depends entirely on your situation.<\/strong><\/p>\n<h3 style=\"margin-top:1.8em\">Signs It&#8217;s a Legitimate Charge<\/h3>\n<ul>\n<li>\u2713 You recently signed up for a free trial online \u2014 especially for health, wellness, fitness, or digital productivity products<\/li>\n<li>\u2713 The charge amount matches a subscription price you agreed to during checkout<\/li>\n<li>\u2713 You find a confirmation email, welcome message, or receipt from the merchant in your inbox<\/li>\n<li>\u2713 A family member or authorized card user recognizes the service<\/li>\n<li>\u2713 The charge recurs on the same date each month for a consistent amount<\/li>\n<\/ul>\n<h3 style=\"margin-top:1.8em\">Signs It May Be Fraudulent<\/h3>\n<ul>\n<li>\u2713 You have absolutely no memory of signing up for any related service<\/li>\n<li>\u2713 The charge appeared suddenly with no prior trial, purchase, or authorization<\/li>\n<li>\u2713 Multiple charges from MASSPR HEARTY appear on the same day or within a short window<\/li>\n<li>\u2713 The charge amount keeps increasing each billing cycle<\/li>\n<li>\u2713 You also see other unrecognized charges from different merchants on the same statement \u2014 a pattern suggesting your card number was stolen<\/li>\n<li>\u2713 No phone number or website is listed alongside the charge on your statement<\/li>\n<\/ul>\n<p>According to the <a href=\"https:\/\/www.ftc.gov\/reports\/consumer-sentinel-network\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Trade Commission (FTC)<\/a>, consumers reported losing over $10 billion to fraud in 2023 \u2014 a 14% increase from the $8.8 billion reported in 2022. Credit card fraud remained among the top reported categories. If multiple red flags from the list above apply to your situation, treat the charge as potentially fraudulent and act immediately.<\/p>\n<h3 style=\"margin-top:1.8em\">A Real-World Scenario<\/h3>\n<p>Consider this common pattern: a consumer clicks on a social media ad offering a &#8220;free&#8221; health supplement \u2014 they only pay $4.95 for shipping. Buried in the fine print is a clause enrolling them in a monthly subscription at $39.99 per month after 14 days. The charge shows up as &#8220;MASSPR HEARTY DOVER DE.&#8221; The consumer never saw the brand name &#8220;MASSPR HEARTY&#8221; during checkout, so they assume it&#8217;s fraud. In reality, it&#8217;s a legitimate (if deceptively marketed) charge. This distinction matters because the dispute process is different for truly unauthorized charges versus charges you technically agreed to but didn&#8217;t fully understand.<\/p>\n<figure>\n<img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-chase.webp\" alt=\"mass hearty charge on credit card chase\" class=\"wp-image-18403\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-chase.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-chase-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2025\/02\/mass-hearty-charge-on-credit-card-chase-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><br \/>\n<\/figure>\n<h2 id=\"how-to-cancel-dispute\" style=\"margin-top:1.8em\">How to Cancel or Dispute the MASSPR HEARTY Charge on Credit Card<\/h2>\n<p>Whether this is a subscription you want to stop or a fraudulent charge you need reversed, follow these four steps in order. Each step escalates your options if the previous one doesn&#8217;t resolve the issue.<\/p>\n<h3 style=\"margin-top:1.8em\">Step 1: Contact the Merchant Directly<\/h3>\n<p>Look for a phone number or website URL associated with the charge on your bank statement. Most banks display this when you click on the transaction details in your online portal or mobile app. Contact the merchant to:<\/p>\n<ul>\n<li>\u2713 Confirm what specific service or product the charge is for<\/li>\n<li>\u2713 Request immediate cancellation of any active subscription<\/li>\n<li>\u2713 Ask for a refund of the most recent charge \u2014 many merchants will comply to avoid a formal dispute, which costs them a processing fee<\/li>\n<li>\u2713 Request written confirmation of the cancellation via email<\/li>\n<\/ul>\n<p><strong>Pro tip:<\/strong> Always document your contact. Save the date, time, name of the representative, and any confirmation numbers. If you later need to escalate, this paper trail strengthens your case significantly.<\/p>\n<h3 style=\"margin-top:1.8em\">Step 2: Call Your Bank or Card Issuer<\/h3>\n<p>If the merchant is unresponsive, unreachable, or you believe the charge is completely unauthorized:<\/p>\n<ol>\n<li>Call the customer service number printed on the back of your credit or debit card.<\/li>\n<li>Tell the representative you want to dispute a charge from &#8220;MASSPR HEARTY.&#8221;<\/li>\n<li>Provide the exact date, amount, and any details you&#8217;ve gathered.<\/li>\n<li>Request a <strong>temporary (provisional) credit<\/strong> while the investigation is underway. Most banks issue this within 1\u20132 business days.<\/li>\n<li>Ask whether you should receive a new card number to prevent future unauthorized charges from the same merchant.<\/li>\n<\/ol>\n<h3 style=\"margin-top:1.8em\">Step 3: File a Formal Dispute<\/h3>\n<p>Under the <strong>Fair Credit Billing Act (FCBA)<\/strong>, you have the right to dispute any billing error within 60 days of the statement date. Once you file:<\/p>\n<ul>\n<li>\u2713 Your card issuer must acknowledge your dispute within 30 days<\/li>\n<li>\u2713 The investigation must conclude within two billing cycles (no more than 90 days)<\/li>\n<li>\u2713 The charge must be removed if confirmed as unauthorized<\/li>\n<li>\u2713 You are not required to pay the disputed amount during the investigation<\/li>\n<\/ul>\n<p>For disputes involving debit cards, the timeline is governed by the Electronic Fund Transfer Act (EFTA). Your bank has 10 business days to investigate (20 days for new accounts) and must provide provisional credit within that window if it needs more time.<\/p>\n<p><strong>Insider insight:<\/strong> Many consumers don&#8217;t realize that filing a dispute as &#8220;billing error&#8221; versus &#8220;fraud&#8221; triggers different investigation processes. If you genuinely never authorized the charge and suspect your card was compromised, file it as <em>fraud<\/em> \u2014 this typically results in an immediate card replacement and faster resolution. If the charge is from a subscription you signed up for but want reversed, file it as a <em>billing dispute<\/em>.<\/p>\n<h3 style=\"margin-top:1.8em\">Step 4: File a Complaint (If Needed)<\/h3>\n<p>If the merchant won&#8217;t cooperate and your bank&#8217;s investigation doesn&#8217;t resolve the issue to your satisfaction, escalate by filing formal complaints with:<\/p>\n<ul>\n<li>\u2713 The <a href=\"https:\/\/www.consumerfinance.gov\/complaint\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB (Consumer Financial Protection Bureau)<\/a> \u2014 they forward your complaint to the company and require a response within 15 days<\/li>\n<li>\u2713 The <a href=\"https:\/\/reportfraud.ftc.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">FTC at ReportFraud.ftc.gov<\/a> \u2014 especially if you believe deceptive marketing was involved<\/li>\n<li>\u2713 Your state&#8217;s attorney general office \u2014 most have a consumer protection division that handles billing complaints<\/li>\n<li>\u2713 The <a href=\"https:\/\/www.bbb.org\/file-a-complaint\" target=\"_blank\" rel=\"noopener noreferrer\">Better Business Bureau (BBB)<\/a> \u2014 a complaint here often prompts a faster response from the merchant<\/li>\n<\/ul>\n<h2 id=\"legal-protections\" style=\"margin-top:1.8em\">Legal Protections That Cover You<\/h2>\n<p>You have strong federal protections when unauthorized or confusing charges appear on your statement. Here&#8217;s exactly what covers you:<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Law<\/th>\n<th>What It Does<\/th>\n<th>Applies To<\/th>\n<th>Key Deadline<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Fair Credit Billing Act (FCBA)<\/td>\n<td>Lets you dispute billing errors and unauthorized charges; caps liability at $50<\/td>\n<td>Credit cards only<\/td>\n<td>60 days from statement date<\/td>\n<\/tr>\n<tr>\n<td>Electronic Fund Transfer Act (EFTA)<\/td>\n<td>Limits liability for unauthorized debit card transactions based on reporting speed<\/td>\n<td>Debit cards and bank accounts<\/td>\n<td>2 days for $50 max; 60 days for $500 max<\/td>\n<\/tr>\n<tr>\n<td>Truth in Lending Act (TILA)<\/td>\n<td>Requires clear disclosure of billing terms; caps credit card fraud liability at $50<\/td>\n<td>Credit cards<\/td>\n<td>Varies by provision<\/td>\n<\/tr>\n<tr>\n<td>FTC Negative Option Rule<\/td>\n<td>Requires merchants to clearly disclose recurring charges before billing; mandates easy cancellation<\/td>\n<td>All subscription services<\/td>\n<td>Ongoing compliance required<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<blockquote cite=\"https:\/\/www.fdic.gov\/consumers\/consumer\/news\/\" style=\"background:#f8fafc;border-left:4px solid #94a3b8;padding:14px 20px;margin:24px 0;border-radius:4px;font-style:italic;color:#374151;\">\n<p>&#8220;Federal laws provide significant protections for consumers who experience unauthorized charges. The key is to report promptly \u2014 the sooner you notify your financial institution, the greater your protection.&#8221;<\/p>\n<footer>\u2014 <a href=\"https:\/\/www.fdic.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">FDIC<\/a>, Consumer Protection Resources<\/footer>\n<\/blockquote>\n<p><strong>A critical nuance many people miss:<\/strong> The $50 liability cap under the FCBA applies only if you <em>report<\/em> the unauthorized charge. If you notice a MASSPR HEARTY charge on your credit card and ignore it for months, your issuer may not be obligated to reverse older charges. Review your statements monthly \u2014 or better yet, enable real-time alerts so you catch every charge within hours.<\/p>\n<p>Most major card issuers (Chase, Amex, Capital One, Discover, Citi) voluntarily offer <strong>$0 fraud liability<\/strong> policies that go beyond the federal $50 cap. This means you owe nothing for unauthorized charges as long as you report them promptly. Check your card&#8217;s specific policy on the issuer&#8217;s website.<\/p>\n<h2 id=\"prevent-future-charges\" style=\"margin-top:1.8em\">How to Prevent Unwanted Charges in the Future<\/h2>\n<p>Resolving one MASSPR HEARTY charge is good. Making sure it \u2014 and charges like it \u2014 never blindside you again is better. These strategies protect your accounts going forward.<\/p>\n<h3 style=\"margin-top:1.8em\">Secure Your Card Information<\/h3>\n<ul>\n<li>\u2713 <strong>Use virtual card numbers<\/strong> for online purchases. Capital One (Eno), Citi, and services like Privacy.com generate single-use or merchant-locked card numbers that prevent unauthorized recurring billing.<\/li>\n<li>\u2713 <strong>Never enter card details<\/strong> on websites without &#8220;https&#8221; in the URL and a valid security certificate.<\/li>\n<li>\u2713 <strong>Avoid saving card information<\/strong> on unfamiliar websites. Even reputable sites can suffer data breaches.<\/li>\n<li>\u2713 <strong>Use strong, unique passwords<\/strong> for every online account. A password manager (1Password, Bitwarden) makes this practical.<\/li>\n<li>\u2713 <strong>Enable two-factor authentication (2FA)<\/strong> on your bank and email accounts. This prevents unauthorized access even if your password is compromised.<\/li>\n<\/ul>\n<h3 style=\"margin-top:1.8em\">Monitor Your Statements Proactively<\/h3>\n<ul>\n<li>\u2713 Review your credit card and bank statements weekly \u2014 not just when the monthly bill arrives.<\/li>\n<li>\u2713 Enable real-time transaction alerts through your bank&#8217;s mobile app. Set notifications for any charge above $0.01 \u2014 fraudsters often run small &#8220;test&#8221; charges ($0.50\u2013$2.00) before making larger ones.<\/li>\n<li>\u2713 Check your credit report at least annually via <a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">AnnualCreditReport.com<\/a> \u2014 the only federally authorized source for free credit reports.<\/li>\n<\/ul>\n<h3 style=\"margin-top:1.8em\">Manage Subscriptions Carefully<\/h3>\n<ul>\n<li>\u2713 Set a calendar reminder 1\u20132 days before any free trial ends. This gives you time to cancel before the auto-conversion charge.<\/li>\n<li>\u2713 Use a dedicated virtual card or prepaid card for trial sign-ups. When the trial ends, the card has no funds \u2014 the subscription charge fails automatically.<\/li>\n<li>\u2713 Review active subscriptions quarterly. Your bank&#8217;s spending analysis dashboard, or third-party tools like Rocket Money, can identify recurring charges you may have forgotten.<\/li>\n<li>\u2713 Read the cancellation terms <em>before<\/em> you sign up. If a service makes cancellation difficult to find or requires a phone call during limited hours, that&#8217;s a red flag.<\/li>\n<\/ul>\n<p>For more strategies on handling confusing charges from unfamiliar merchants, our article on <a href=\"https:\/\/cardvcc.com\/spstore-gold-charge-on-debit-card\/\">SPStore Gold charges on debit cards<\/a> walks through a similar step-by-step resolution process.<\/p>\n<h3 style=\"margin-top:1.8em\">What About the Soham Inc Credit Card Charge?<\/h3>\n<p>Some cardholders see &#8220;Soham Inc&#8221; instead of &#8220;MASSPR HEARTY&#8221; as the billing descriptor. They are the same entity \u2014 <strong>Soham Inc. is the parent company<\/strong> that processes payments appearing under the MASSPR HEARTY descriptor. The company simply uses different descriptor text for different products or processing configurations.<\/p>\n<p>If you see a <strong>Soham Inc credit card charge<\/strong>, follow the same verification and dispute steps outlined above. The same legal protections apply, and the same contact methods work. If you also see charges from other unfamiliar companies, our guide to <a href=\"https:\/\/cardvcc.com\/lagosec-inc-charge-on-credit-card\/\">Lagosec Inc charges on credit cards<\/a> covers another commonly searched billing descriptor.<\/p>\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:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/\" target=\"_blank\" rel=\"noopener noreferrer\">CFPB \u2014 Credit Card Resources and Consumer Tools<\/a><\/li>\n<li><a href=\"https:\/\/www.ftc.gov\/reports\/consumer-sentinel-network\" target=\"_blank\" rel=\"noopener noreferrer\">FTC \u2014 Consumer Sentinel Network Data Book (Fraud Statistics)<\/a><\/li>\n<li><a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/negative-option-rule\" target=\"_blank\" rel=\"noopener noreferrer\">FTC \u2014 Negative Option Rule (Subscription Billing Regulation)<\/a><\/li>\n<li><a href=\"https:\/\/www.fdic.gov\/consumers\/consumer\/news\/\" target=\"_blank\" rel=\"noopener noreferrer\">FDIC \u2014 Consumer Protection Resources<\/a><\/li>\n<li><a href=\"https:\/\/corp.delaware.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Delaware Division of Corporations \u2014 Business Entity Registration Data<\/a><\/li>\n<li><a href=\"https:\/\/www.federalreserve.gov\/paymentsystems.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Reserve \u2014 Payment Systems Overview<\/a><\/li>\n<li><a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">AnnualCreditReport.com \u2014 Free Credit Report Access<\/a><\/li>\n<\/ul>\n<\/section>\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\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 masspr hearty<\/h3>\n<p style=\"margin:0;\">MASSPR HEARTY is a billing descriptor used by Soham Inc., a company registered in Dover, Delaware. It appears on credit card and debit card statements when Soham Inc. processes a charge \u2014 typically for a recurring digital subscription service. Common statement variations include &#8220;MASSPR_HEARTY,&#8221; &#8220;MASS PR HEARTY,&#8221; &#8220;MASSOR HEARTY,&#8221; and &#8220;MASSPRHEARTY.&#8221; If you don&#8217;t recognize this charge, check your email for sign-up confirmations, then contact your card issuer to dispute it within 60 days.<\/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 masspr hearty on credit card<\/h3>\n<p style=\"margin:0;\">A MASSPR HEARTY charge on your credit card means Soham Inc. billed your card for a product or subscription service. It commonly results from a free trial that automatically converted to a paid monthly plan, an authorized purchase you forgot about, or unauthorized use of your card details. Review your recent online sign-ups, check with household members, and contact your bank immediately if the charge is unrecognized.<\/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 does MASSPR HEARTY Dover mean on my statement?<\/h3>\n<p style=\"margin:0;\">&#8220;MASSPR HEARTY Dover&#8221; means the charge was processed by a merchant (Soham Inc.) registered in Dover, Delaware. Dover is one of the most common business incorporation locations in the United States \u2014 over 1.8 million entities are registered there. The &#8220;Dover DE&#8221; or &#8220;Dover USA&#8221; in the descriptor refers to the company&#8217;s registered address, not necessarily where the product or service originates or where you made the purchase.<\/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 do I cancel a MASSPR HEARTY subscription?<\/h3>\n<p style=\"margin:0;\">To cancel, first locate the customer service phone number or website listed next to the charge on your bank statement. Call the merchant directly, request cancellation, and ask for written confirmation via email. If you can&#8217;t reach the merchant, call your card issuer and request they block future charges from this merchant. For an extra layer of protection, ask for a new card number to prevent any further recurring billing from the old card details.<\/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;\">Is the MASSPR HEARTY charge on my debit card the same as on credit cards?<\/h3>\n<p style=\"margin:0;\">Yes, the MASSPR HEARTY charge on a debit card comes from the same merchant (Soham Inc.) as the credit card version. However, debit card charges pull funds directly from your bank account, making unauthorized charges more urgent. Your fraud protections are also weaker \u2014 under the EFTA, you must report within 2 business days to limit liability to $50. After 60 days, you could be liable for the entire amount. Report suspicious debit 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;\">What is the Soham Inc charge on my credit card?<\/h3>\n<p style=\"margin:0;\">A Soham Inc. charge is the parent-company billing for what typically appears as &#8220;MASSPR HEARTY&#8221; on your statement. Soham Inc. is incorporated in Dover, Delaware, and processes payments for digital subscription services. The two names \u2014 Soham Inc. and MASSPR HEARTY \u2014 refer to the same entity. If you don&#8217;t recognize this charge, verify it using the same steps: check your email, review recent subscriptions, and dispute through your bank if needed.<\/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 a MASSPR HEARTY charge?<\/h3>\n<p style=\"margin:0;\">Yes, in most cases you can. If the charge is unauthorized, your card issuer will reverse it after completing their investigation \u2014 you owe nothing under most issuers&#8217; $0 fraud liability policies. If it was a legitimate subscription you forgot about, contact the merchant directly to request a refund. Many merchants refund the most recent billing cycle to avoid a formal chargeback, which costs them additional processing fees. Under the FCBA, you must initiate your dispute within 60 days of the statement date.<\/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;\">Why do I see MASSPR_HEARTY or MASSPRHEARTY with no spaces?<\/h3>\n<p style=\"margin:0;\">Different banks format billing descriptors differently based on their processing systems. Some remove spaces, some add underscores, and some truncate the merchant name to fit character limits. Variations like &#8220;MASSPR_HEARTY,&#8221; &#8220;MASSPRHEARTY,&#8221; &#8220;MASS PR HEARTY,&#8221; &#8220;MASSOR HEARTY,&#8221; and &#8220;MASSPR_HEARTYDOVER DE&#8221; all refer to the same merchant \u2014 Soham Inc. \u2014 and the same charge. The formatting difference is purely cosmetic.<\/p>\n<\/div>\n<\/div>\n\n\n<section>\n<h2 id=\"conclusion\" style=\"margin-top:1.8em\">Take Action on Your MASSPR HEARTY Charge Now<\/h2>\n<p>A <strong>MASSPR HEARTY charge on credit card<\/strong> statements is a billing descriptor from Soham Inc., a Dover, Delaware company that processes digital subscription payments. Now that you understand exactly what it is, who is behind it, and how to verify it, you can resolve the charge quickly and confidently.<\/p>\n<p>The reason this charge catches so many people off guard is the disconnect between the product they signed up for and the billing descriptor on their statement. Soham Inc. processes the payment, but the consumer-facing brand may have an entirely different name. This is normal payment processing \u2014 but it creates confusion that looks like fraud.<\/p>\n<p>Here&#8217;s your action plan:<\/p>\n<ol>\n<li><strong>Verify<\/strong> \u2014 Check your email, ask household members, and review the merchant details in your bank&#8217;s online portal.<\/li>\n<li><strong>Contact<\/strong> \u2014 Call the merchant directly if you find their number, or call your card issuer if you can&#8217;t.<\/li>\n<li><strong>Dispute<\/strong> \u2014 File a formal dispute within 60 days if the charge is unauthorized.<\/li>\n<li><strong>Protect<\/strong> \u2014 Enable transaction alerts, use virtual card numbers, and review your statements weekly.<\/li>\n<\/ol>\n<p><strong>Don&#8217;t wait. Check your credit card statement now and dispute any MASSPR HEARTY charge you don&#8217;t recognize. Your bank&#8217;s fraud department is one phone call away.<\/strong><\/p>\n<\/section>\n\n\n\n<p><!-- rankrevive-schema --><\/p>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"what is masspr hearty\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"MASSPR HEARTY is a billing descriptor used by Soham Inc., a company registered in Dover, Delaware. It appears on credit card and debit card statements when Soham Inc. processes a charge \u2014 typically for a recurring digital subscription service. Common statement variations include \\\"MASSPR_HEARTY,\\\" \\\"MASS PR HEARTY,\\\" \\\"MASSOR HEARTY,\\\" and \\\"MASSPRHEARTY.\\\" If you don't recognize this charge, check your email for sign-up confirmations, then contact your card issuer to dispute it within 60 days.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"what is masspr hearty on credit card\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A MASSPR HEARTY charge on your credit card means Soham Inc. billed your card for a product or subscription service. It commonly results from a free trial that automatically converted to a paid monthly plan, an authorized purchase you forgot about, or unauthorized use of your card details. Review your recent online sign-ups, check with household members, and contact your bank immediately if the charge is unrecognized.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What does MASSPR HEARTY Dover mean on my statement?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\\\"MASSPR HEARTY Dover\\\" means the charge was processed by a merchant (Soham Inc.) registered in Dover, Delaware. Dover is one of the most common business incorporation locations in the United States \u2014 over 1.8 million entities are registered there. The \\\"Dover DE\\\" or \\\"Dover USA\\\" in the descriptor refers to the company's registered address, not necessarily where the product or service originates or where you made the purchase.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do I cancel a MASSPR HEARTY subscription?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To cancel, first locate the customer service phone number or website listed next to the charge on your bank statement. Call the merchant directly, request cancellation, and ask for written confirmation via email. If you can't reach the merchant, call your card issuer and request they block future charges from this merchant. For an extra layer of protection, ask for a new card number to prevent any further recurring billing from the old card details.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is the MASSPR HEARTY charge on my debit card the same as on credit cards?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, the MASSPR HEARTY charge on a debit card comes from the same merchant (Soham Inc.) as the credit card version. However, debit card charges pull funds directly from your bank account, making unauthorized charges more urgent. Your fraud protections are also weaker \u2014 under the EFTA, you must report within 2 business days to limit liability to $50. After 60 days, you could be liable for the entire amount. Report suspicious debit charges immediately.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the Soham Inc charge on my credit card?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A Soham Inc. charge is the parent-company billing for what typically appears as \\\"MASSPR HEARTY\\\" on your statement. Soham Inc. is incorporated in Dover, Delaware, and processes payments for digital subscription services. The two names \u2014 Soham Inc. and MASSPR HEARTY \u2014 refer to the same entity. If you don't recognize this charge, verify it using the same steps: check your email, review recent subscriptions, and dispute through your bank if needed.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I get a refund for a MASSPR HEARTY charge?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, in most cases you can. If the charge is unauthorized, your card issuer will reverse it after completing their investigation \u2014 you owe nothing under most issuers' $0 fraud liability policies. If it was a legitimate subscription you forgot about, contact the merchant directly to request a refund. Many merchants refund the most recent billing cycle to avoid a formal chargeback, which costs them additional processing fees. Under the FCBA, you must initiate your dispute within 60 days of the statement date.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why do I see MASSPR_HEARTY or MASSPRHEARTY with no spaces?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Different banks format billing descriptors differently based on their processing systems. Some remove spaces, some add underscores, and some truncate the merchant name to fit character limits. Variations like \\\"MASSPR_HEARTY,\\\" \\\"MASSPRHEARTY,\\\" \\\"MASS PR HEARTY,\\\" \\\"MASSOR HEARTY,\\\" and \\\"MASSPR_HEARTYDOVER DE\\\" all refer to the same merchant \u2014 Soham Inc. \u2014 and the same charge. The formatting difference is purely cosmetic.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n<p><!-- \/rankrevive-schema --><\/p>","protected":false},"excerpt":{"rendered":"<p>A MASSPR HEARTY charge on credit card is a billing descriptor from Soham Inc., a Delaware-registered company that processes payments for digital subscription services. This charge typically appears after a free trial converts to a paid plan or when a recurring subscription renews. If you don&#8217;t recognize it, contact the merchant first, then dispute the [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18357","post","type-post","status-publish","format-standard","hentry","category-virtual-credit-card"],"_links":{"self":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/18357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=18357"}],"version-history":[{"count":7,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/18357\/revisions"}],"predecessor-version":[{"id":27606,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/18357\/revisions\/27606"}],"wp:attachment":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=18357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=18357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=18357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}