Mass Hearty Charge on Credit Card – Complete Guide (2026)

Last reviewed and updated: April 2026 — verified against current regulatory guidance and financial data.

If you spotted a MASSPR HEARTY charge on your credit card or debit card and have no idea what it is, you’re not alone. Thousands of cardholders search for this exact descriptor every month — variations like “MASSPRHEARTY,” “MASSPR_HEARTY,” and “MASS PR HEARTY” 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.

Below, you’ll learn what “MASSPR HEARTY” and its variants mean, why it shows up on statements from Chase, Wells Fargo, Bank of America, and other banks, whether it’s legitimate or fraudulent, and exactly how to stop or dispute the charge right now.

What Is the MASSPR HEARTY Charge on Credit Card?

MASSPR HEARTY is a merchant billing descriptor used by Soham Inc. to process credit card and debit card charges for digital subscription services. The descriptor appears in several formats — “MASSPR_HEARTY,” “MASS PR HEARTY,” “MASSOR HEARTY,” and “MASSPR_HEARTY DOVER DE” — but they all refer to the same company and the same type of charge.

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 — 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.

“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.”

What most guides don’t mention is that billing descriptors like “MASSPR HEARTY” are often dynamic descriptors — 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’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 “PayPal” on your statement when you actually bought shoes from a small online store.

Here’s a concrete example: a cardholder signs up for a 7-day free trial of a wellness app. The app’s checkout page never mentions “MASSPR HEARTY” or “Soham Inc.” When the trial ends and the $29.99 monthly charge hits their Chase statement, it shows as “MASSPR HEARTY DOVER DE” — completely unrecognizable. This scenario accounts for the majority of consumer complaints related to this descriptor.

Key Definitions

MASSPR HEARTY

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.

Billing Descriptor

The text that appears on a cardholder’s statement to identify a transaction. It includes the merchant name, sometimes a location, and occasionally a customer service phone number. Descriptors can be “static” (always the same) or “dynamic” (customized per transaction).

Negative Option Billing

A billing practice where a consumer’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 specific rules governing this practice.

Soham Inc.

The registered business entity behind the MASSPR HEARTY billing descriptor. Soham Inc. is incorporated in Dover, Delaware, and processes payments for digital subscription services.

MASSPR HEARTY Dover Meaning — Who Is Behind This Charge?

The “Dover” in MASSPR HEARTY Dover USA refers to Dover, Delaware — one of the most popular states for business incorporation in the United States. According to the Delaware Division of Corporations, 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.

The company behind this descriptor, Soham Inc., is registered in Dover, DE. This is why your statement may show variations such as:

• ✓ MASSPR_HEARTY Dover DE
• ✓ MASSPR_HEARTYDOVER DE
• ✓ MASSPR HEARTY DOVER USA
• ✓ MASSPR_HEARTY DOVER

“More than 66% of Fortune 500 companies are incorporated in Delaware, alongside hundreds of thousands of small businesses that leverage the state’s well-established legal framework.”

Seeing “Dover DE” on a charge doesn’t automatically mean it’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 you authorized the charge — not to assume guilt based on the location alone.

If you’ve also encountered unfamiliar charges from other entities registered at generic-sounding addresses, our guide on Gosq.com charges on credit cards explains a similar situation and how to handle it step by step.

MASSPR HEARTY Subscription — Why It Keeps Appearing

A MASSPR HEARTY subscription 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:

• ✓ Free trial conversion: You signed up for a free trial of a digital service — health supplements, streaming, software, or a mobile app — and it converted to a paid monthly plan after the trial period ended. The FTC calls this “negative option” billing.
• ✓ Auto-renewal: 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.
• ✓ Family member’s purchase: Someone with access to your card — a spouse, teenager, or authorized user — signed up for a service using your card number.
• ✓ Unauthorized recurring charge: Your card details were compromised (through a data breach, phishing attack, or card skimmer) and used to set up a fraudulent subscription.

According to the CFPB, 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 Negative Option Rule in 2024 to require clearer disclosures and easier cancellation for subscription services — a direct response to this surge in complaints.

“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.”

How to Check if You Have an Active Subscription

Before assuming fraud, run through this checklist:

1. Search your email inbox for confirmation messages from “Soham Inc,” “MASSPR,” “Hearty,” or any digital product you recently tried. Use the search terms “receipt,” “subscription,” and “trial” as well.
2. Check your bank’s online portal — most card issuers now provide expanded merchant details when you click on a transaction. Look for a merchant website URL or phone number.
3. Review app store subscriptions on your phone. On iOS, go to Settings → Apple ID → Subscriptions. On Android, open Google Play → Payments & Subscriptions. Some services bill through app stores rather than directly.
4. Call the phone number listed next to the charge on your statement. Legitimate merchants are required to include a contact number or URL in their billing descriptor.
5. Ask household members if they recognize the charge. Shared family accounts or authorized users on your card are a common — and often overlooked — explanation.

MASSPROFIT Charge on Credit Card — Is It the Same Thing?

Some cardholders report seeing a MASSPROFIT charge on their credit card and wonder if it’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 — even from the same parent company — can use entirely different descriptors.

Here’s how the most common descriptors compare:

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 — if both charges share the same MID, they come from the same source. If the MIDs differ, you’re dealing with two separate merchants.

“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.”

For a similar breakdown of confusing debit card charges from unfamiliar companies, see our article on CTLP charges on debit cards.

How to Identify a MASSPR HEARTY Charge on Your Bank Statement

When a MASSPR HEARTY charge appears on your bank statement, your statement typically provides several clues that help you determine whether the charge is legitimate. Here’s exactly what to look for:

• ✓ Merchant name: “MASSPR HEARTY,” “MASSPR_HEARTY,” “MASS PR HEARTY,” or “MASSOR HEARTY”
• ✓ Location: Dover, DE or Dover, USA
• ✓ Merchant category code (MCC): Often classified under “digital goods,” “miscellaneous services,” or “subscription services”
• ✓ Amount: Usually a recurring amount between $19.99 and $49.99
• ✓ Contact number: A phone number may appear next to the charge — always call it first before filing a dispute
• ✓ Transaction date pattern: Legitimate subscriptions hit on or near the same date each month

Statement Variations by Bank

Different banks truncate, abbreviate, or format merchant descriptors differently. This table shows how the same charge appears across major U.S. card issuers:

Regardless of formatting, these all refer to the same merchant and the same charge. The variation is purely cosmetic — it depends on how each bank’s processing system handles descriptor text. If you see similarly unrecognized charges from other merchants, our guide to the Venuplus Inc credit card charge covers another commonly misidentified billing descriptor.

MASSPR HEARTY Charge on Debit Card — Key Differences

A MASSPR HEARTY charge on your debit card looks identical to the credit card version on your statement — same descriptor, same merchant, same amount. However, the financial implications are significantly different, and most guides gloss over this distinction.

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 — and during that time, you may face overdraft fees, bounced payments, or insufficient funds for other bills.

The legal protections also differ:

• ✓ Credit cards (Regulation Z / FCBA): Maximum liability of $50 for unauthorized charges. Most major issuers offer $0 fraud liability. You have 60 days from the statement date to dispute.
• ✓ Debit cards (Regulation E / EFTA): 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.

Bottom line: If you see a MASSPR HEARTY charge on your debit card that you don’t recognize, report it to your bank within 2 business days. The clock starts ticking faster with debit cards than with credit cards.

“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.”

Is MASSPR HEARTY Legit or Fraud?

This is the question that brings most people to this page. The honest answer: MASSPR HEARTY is a real merchant descriptor used by a registered company, but whether your specific charge is legitimate depends entirely on your situation.

Signs It’s a Legitimate Charge

• ✓ You recently signed up for a free trial online — especially for health, wellness, fitness, or digital productivity products
• ✓ The charge amount matches a subscription price you agreed to during checkout
• ✓ You find a confirmation email, welcome message, or receipt from the merchant in your inbox
• ✓ A family member or authorized card user recognizes the service
• ✓ The charge recurs on the same date each month for a consistent amount

Signs It May Be Fraudulent

• ✓ You have absolutely no memory of signing up for any related service
• ✓ The charge appeared suddenly with no prior trial, purchase, or authorization
• ✓ Multiple charges from MASSPR HEARTY appear on the same day or within a short window
• ✓ The charge amount keeps increasing each billing cycle
• ✓ You also see other unrecognized charges from different merchants on the same statement — a pattern suggesting your card number was stolen
• ✓ No phone number or website is listed alongside the charge on your statement

According to the Federal Trade Commission (FTC), consumers reported losing over $10 billion to fraud in 2023 — 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.

A Real-World Scenario

Consider this common pattern: a consumer clicks on a social media ad offering a “free” health supplement — 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 “MASSPR HEARTY DOVER DE.” The consumer never saw the brand name “MASSPR HEARTY” during checkout, so they assume it’s fraud. In reality, it’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’t fully understand.

How to Cancel or Dispute the MASSPR HEARTY Charge on Credit Card

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’t resolve the issue.

Step 1: Contact the Merchant Directly

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:

• ✓ Confirm what specific service or product the charge is for
• ✓ Request immediate cancellation of any active subscription
• ✓ Ask for a refund of the most recent charge — many merchants will comply to avoid a formal dispute, which costs them a processing fee
• ✓ Request written confirmation of the cancellation via email

Pro tip: 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.

Step 2: Call Your Bank or Card Issuer

If the merchant is unresponsive, unreachable, or you believe the charge is completely unauthorized:

1. Call the customer service number printed on the back of your credit or debit card.
2. Tell the representative you want to dispute a charge from “MASSPR HEARTY.”
3. Provide the exact date, amount, and any details you’ve gathered.
4. Request a temporary (provisional) credit while the investigation is underway. Most banks issue this within 1–2 business days.
5. Ask whether you should receive a new card number to prevent future unauthorized charges from the same merchant.

Step 3: File a Formal Dispute

Under the Fair Credit Billing Act (FCBA), you have the right to dispute any billing error within 60 days of the statement date. Once you file:

• ✓ Your card issuer must acknowledge your dispute within 30 days
• ✓ The investigation must conclude within two billing cycles (no more than 90 days)
• ✓ The charge must be removed if confirmed as unauthorized
• ✓ You are not required to pay the disputed amount during the investigation

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.

Insider insight: Many consumers don’t realize that filing a dispute as “billing error” versus “fraud” triggers different investigation processes. If you genuinely never authorized the charge and suspect your card was compromised, file it as fraud — 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 billing dispute.

Step 4: File a Complaint (If Needed)

If the merchant won’t cooperate and your bank’s investigation doesn’t resolve the issue to your satisfaction, escalate by filing formal complaints with:

• ✓ The CFPB (Consumer Financial Protection Bureau) — they forward your complaint to the company and require a response within 15 days
• ✓ The FTC at ReportFraud.ftc.gov — especially if you believe deceptive marketing was involved
• ✓ Your state’s attorney general office — most have a consumer protection division that handles billing complaints
• ✓ The Better Business Bureau (BBB) — a complaint here often prompts a faster response from the merchant

Legal Protections That Cover You

You have strong federal protections when unauthorized or confusing charges appear on your statement. Here’s exactly what covers you:

“Federal laws provide significant protections for consumers who experience unauthorized charges. The key is to report promptly — the sooner you notify your financial institution, the greater your protection.”

A critical nuance many people miss: The $50 liability cap under the FCBA applies only if you report 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 — or better yet, enable real-time alerts so you catch every charge within hours.

Most major card issuers (Chase, Amex, Capital One, Discover, Citi) voluntarily offer $0 fraud liability 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’s specific policy on the issuer’s website.

How to Prevent Unwanted Charges in the Future

Resolving one MASSPR HEARTY charge is good. Making sure it — and charges like it — never blindside you again is better. These strategies protect your accounts going forward.

Secure Your Card Information

• ✓ Use virtual card numbers 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.
• ✓ Never enter card details on websites without “https” in the URL and a valid security certificate.
• ✓ Avoid saving card information on unfamiliar websites. Even reputable sites can suffer data breaches.
• ✓ Use strong, unique passwords for every online account. A password manager (1Password, Bitwarden) makes this practical.
• ✓ Enable two-factor authentication (2FA) on your bank and email accounts. This prevents unauthorized access even if your password is compromised.

Monitor Your Statements Proactively

• ✓ Review your credit card and bank statements weekly — not just when the monthly bill arrives.
• ✓ Enable real-time transaction alerts through your bank’s mobile app. Set notifications for any charge above $0.01 — fraudsters often run small “test” charges ($0.50–$2.00) before making larger ones.
• ✓ Check your credit report at least annually via AnnualCreditReport.com — the only federally authorized source for free credit reports.

Manage Subscriptions Carefully

• ✓ Set a calendar reminder 1–2 days before any free trial ends. This gives you time to cancel before the auto-conversion charge.
• ✓ Use a dedicated virtual card or prepaid card for trial sign-ups. When the trial ends, the card has no funds — the subscription charge fails automatically.
• ✓ Review active subscriptions quarterly. Your bank’s spending analysis dashboard, or third-party tools like Rocket Money, can identify recurring charges you may have forgotten.
• ✓ Read the cancellation terms before you sign up. If a service makes cancellation difficult to find or requires a phone call during limited hours, that’s a red flag.

For more strategies on handling confusing charges from unfamiliar merchants, our article on SPStore Gold charges on debit cards walks through a similar step-by-step resolution process.

What About the Soham Inc Credit Card Charge?

Some cardholders see “Soham Inc” instead of “MASSPR HEARTY” as the billing descriptor. They are the same entity — Soham Inc. is the parent company that processes payments appearing under the MASSPR HEARTY descriptor. The company simply uses different descriptor text for different products or processing configurations.

If you see a Soham Inc credit card charge, 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 Lagosec Inc charges on credit cards covers another commonly searched billing descriptor.