A 150 GREENWICH ST charge on a credit card, debit card, or bank statement may be connected with a company located at 4 World Trade Center in New York City. Spotify USA officially occupies the 62nd floor at this address, making Spotify one possible explanation.
However, 150 Greenwich Street is a large multi-tenant office building. The address alone does not prove that the payment came from Spotify. Obtain the complete merchant name, transaction details, telephone number, merchant category, and payment reference before contacting or accusing a particular company.
What Is the 150 Greenwich Street Charge?
The charge may identify a merchant, company, subscription provider, office tenant, or payment account connected with:
4 World Trade Center
150 Greenwich Street
New York, NY 10007
A transaction may appear under the address because:
- The merchant’s payment account uses its corporate address
- The bank displayed a location instead of the public merchant name
- The merchant name was shortened or omitted
- A payment processor transmitted address information to the issuer
- The transaction is still pending and may later show a clearer description
- The merchant is one of several organizations located in the building
- The card or bank account was used without permission
The address itself does not reveal:
- The exact company that submitted the transaction
- The product or service purchased
- Whether the charge is recurring
- The account email address
- The person who authorized the payment
- Whether the payment is legitimate or unauthorized
Is 150 Greenwich Street a Spotify Charge?
Spotify is a credible possible explanation, but it is not confirmed by the address alone.
Spotify USA Inc. officially lists:
4 World Trade Center
150 Greenwich Street, 62nd Floor
New York, NY 10007
A 150 Greenwich Street transaction may be connected with Spotify when:
- The complete descriptor also includes SPOTIFY
- The amount matches a Spotify Premium payment
- The payment repeats near the same date every month
- A matching receipt appears in Spotify Payment History
- The card is saved on a Spotify account
- A family member or another authorized user has Premium
Do not assume Spotify is responsible when:
- The statement shows only the address
- The amount does not match any Spotify payment
- No Spotify receipt or account activity can be located
- The merchant category does not match a digital or subscription service
- The bank supplies another merchant name
Why the Address Alone Is Not Enough
150 Greenwich Street is also known as 4 World Trade Center. It is a large office building with multiple corporate and government tenants.
That means a transaction showing the building address could potentially involve:
- Spotify
- Another office tenant
- A company using a mailing or payment address in the building
- A transaction whose descriptor was shortened by the bank
- An unrelated merchant whose information was mapped incorrectly
Ask the bank or card issuer for the expanded merchant record before relying on an address-directory search.
Common 150 Greenwich Statement Variations
The transaction may appear as:
- 150 GREENWICH ST
- 150 GREENWICH STREET
- 150 GREENWICH ST NEW YORK
- 150 GREENWICH ST NEW YORK NY
- 150 GREENWICH ST NY NY
- 150 GREENWICH ST NEW YORK NY 10007
- POS DEBIT 150 GREENWICH ST
- POS PURCHASE 150 GREENWICH ST
- CHECKCARD 150 GREENWICH ST
- CHKCARD 150 GREENWICH STREET
- PENDING 150 GREENWICH ST
- 4 WORLD TRADE CENTER
- 4 WTC NEW YORK NY
- SPOTIFY 150 GREENWICH ST
- SPOTIFY USA
- SPOTIFY USA SUBS
Use the exact wording from the statement. A single missing word, telephone number, floor number, or merchant abbreviation can materially change the identification.
What Does POS Debit 150 Greenwich St Mean?
`POS DEBIT` generally means the bank categorized the transaction as a point-of-sale debit-card purchase.
It does not necessarily prove that:
- The card was physically used inside 4 World Trade Center
- The cardholder visited New York
- The purchase was made at a retail store
- The merchant was Spotify
Banks sometimes use `POS`, `POS DEBIT`, or `CHECKCARD` for:
- Online card payments
- Recurring subscriptions
- Saved-card transactions
- Mobile-wallet payments
- Card-not-present purchases
Ask whether the transaction was:
- Card present
- Card not present
- Recurring
- Tokenized through a wallet
- Processed online
How to Identify the Exact Merchant
Follow these steps:
- Copy the complete statement descriptor exactly.
- Record the amount, date, currency, and transaction status.
- Check whether it is pending or fully posted.
- Select the transaction in the bank app and look for expanded merchant details.
- Ask the issuer for the full merchant name.
- Ask for the merchant telephone number and website transmitted with the transaction.
- Ask for the merchant category code or business category.
- Ask whether the transaction was recurring or one-time.
- Ask whether the card was present, used online, or submitted through a digital wallet.
- Ask whether a more complete descriptor will appear when the payment settles.
- Compare the amount with recent subscriptions and online purchases.
- Ask household members and other authorized cardholders.
- Contact the identified merchant through an independently verified official channel.
Do not post full card numbers, transaction references, home addresses, account emails, banking details, or authentication codes publicly.
If the Charge Appears to Be Spotify
A confirmed Spotify payment may represent:
- Spotify Premium Individual
- Spotify Premium Student
- Spotify Premium Duo
- Spotify Premium Family
- A trial that converted to paid Premium
- A subscription price or plan change
- An audiobook purchase or listening-hours top-up
- A paid podcast subscription
- A payment processed through a billing partner
- A second Spotify account
- A family member’s account
- An unauthorized use of the payment method
The outside statement may show an address or shortened merchant wording instead of the name of the Spotify plan.
How to Check Spotify Payment History
Spotify lets account holders review payment history and available receipts.
Use:
- Spotify account: Sign in to Spotify
- Receipt instructions: Check Spotify receipts
- Payments and billing help: Spotify billing support
Review:
- The payment date
- The charged amount
- The plan name
- Tax
- The billing provider
- The next payment date
- Available receipts
Spotify says receipts can be available for transactions from the previous two years.
Search email for:
- Spotify
- Premium
- Receipt
- Payment
- Trial
- Your plan
- The exact charged amount
Check spam, promotions, deleted messages, and every email account that may have been used.
Check Every Possible Spotify Account
A user can create or access Spotify using different login methods, including:
- Email and password
- A telephone number
- Apple
- Another older email address
A person may accidentally create two Spotify accounts by using different login methods.
Try:
- Every current and older email address.
- Continue with Google.
- Continue with Apple.
- Continue with Facebook.
- A telephone-number login.
- Accounts used by family members.
An account showing Spotify Free is not being billed directly by Spotify. If the card is still being charged, Premium may be active on another account or through a partner.
Why Are There Two Spotify or Greenwich Street Charges?
Two entries may represent:
- A pending authorization and the completed payment
- A failed payment followed by a successful retry
- Two Spotify accounts
- Two different Premium plans
- A plan upgrade
- A family member’s subscription
- A Premium payment and another Spotify product
- An actual duplicate transaction
- Two different 4 World Trade Center merchants
- Repeated unauthorized activity
Spotify says a Premium plan is normally charged once per month.
If one entry is pending:
- Wait for the payment to settle
- Do not assume both entries are final charges
- Check whether the temporary authorization disappears
If both transactions post fully:
- Check Spotify receipts.
- Check all Spotify accounts.
- Ask family members.
- Contact Spotify through official online support.
- Contact the issuer if the duplicate is not resolved.
How to Cancel Spotify Premium
To cancel a subscription billed directly by Spotify:
- Sign in to the correct Spotify account.
- Open Manage your plan.
- Select Cancel subscription.
- Continue through every confirmation screen.
- Confirm the date when the account will switch to Spotify Free.
- Save a screenshot or confirmation message.
Official instructions:
Premium normally remains available until the next billing date, after which the account switches to the free service.
Deleting the Spotify app, signing out, removing downloaded music, or stopping use of the account does not cancel Premium.
What If Spotify Is Billed Through a Partner?
Some Spotify plans are billed through:
- A mobile-phone company
- An internet provider
- Google Play
- Another subscription or payment partner
To identify the billing provider:
- Sign in to Spotify.
- Open Manage your plan.
- Review the Payment section.
- Use the displayed partner contact link.
When a partner controls billing:
- The partner handles cancellation
- The partner handles payment-method changes
- The partner may control refunds
- The statement may use the partner’s descriptor instead of Spotify
Why Was I Charged After Canceling Spotify?
Possible explanations include:
- The payment processed before cancellation was completed
- The wrong Spotify account was canceled
- Another Spotify account remains active
- A family member has another plan
- The plan is billed by a partner
- The cancellation process was not fully completed
- The charge is for another Spotify product
Check the account page.
If it shows:
- A future switch-to-free date: Cancellation was successful, but the current paid period remains active
- A future payment date: The account is still active
- Spotify Free: That account is not being billed directly
- A partner under Payment: Contact the partner
Save all cancellation records before contacting support or the card issuer.
Can a Spotify Charge Be Refunded?
Canceling Premium does not automatically guarantee a refund for the current billing period.
Refund eligibility can depend on:
- The type of Spotify product
- The transaction date
- The reason for the request
- Whether the payment was authorized
- Whether a billing partner processed it
- Applicable law and Spotify’s product-specific policy
To request review:
- Identify the correct Spotify account.
- Locate the payment and receipt.
- Cancel future recurring billing separately.
- Contact Spotify through official messaging.
- Provide the amount, date, and last four card digits only when requested through the official support session.
- Explain whether the issue is a duplicate, unauthorized payment, wrong account, post-cancellation charge, or other billing problem.
- Request the decision in writing.
- Monitor the original payment method for any approved credit.
A refund for one payment does not necessarily confirm that every active Spotify account has been canceled.
What If I Do Not Use Spotify Premium?
Spotify recommends checking whether:
- A family member used the card
- A friend used the payment information
- Premium exists on a different Spotify account
- A second login method created another account
- A partner company manages the plan
If no authorized account explains the payment:
- Save the complete descriptor, amount, and date.
- Check every Spotify login method.
- Ask authorized cardholders.
- Contact Spotify through the official support page.
- Prepare a redacted screenshot that hides the full card number, expiration date, and security code.
- Ask Spotify to search for a payment account associated with the charge.
- Contact the card issuer if the transaction remains unauthorized.
What If the Charge Is Not Spotify?
When Spotify cannot match the transaction:
- Return to the bank or card issuer.
- Ask for the expanded merchant name.
- Ask for the merchant telephone number and website.
- Ask for the merchant category.
- Ask whether a floor, suite, or tenant name was supplied.
- Ask whether the payment was recurring or one-time.
- Ask whether a digital wallet or saved card was used.
- Contact the identified company through its official website.
Do not continue sending Spotify private payment information when the transaction cannot be connected with Spotify.
Current Spotify Contact Information
- Official website: Spotify
- Customer support: Message Spotify Support
- Payments and billing: Spotify payment help
- Corporate contact page: Spotify office information
- U.S. office: Spotify USA Inc., 4 World Trade Center, 150 Greenwich Street, 62nd Floor, New York, NY 10007
Spotify currently states that it does not offer customer support by telephone.
Use its official online messaging route rather than a telephone number from:
- A search advertisement
- An unofficial directory
- A social-media post
- An unsolicited text or email
- A browser popup
The corporate address is not the fastest route for identifying, canceling, or disputing an active Spotify subscription.
What If the 150 Greenwich Charge Was Unauthorized?
If neither Spotify nor another merchant can explain the transaction:
- Lock the affected card when additional charges are appearing.
- Call the number printed on the card or official bank statement.
- Report that the transaction was not authorized.
- Provide the complete descriptor, amount, and date.
- Ask whether the card should be replaced.
- Ask whether a merchant block is available.
- Review other transactions for small test charges.
- Change passwords on accounts where the card was stored.
- Enable multifactor authentication.
- Continue monitoring the account.
Official consumer resources include:
- CFPB credit-card dispute guidance
- FTC credit-card billing and dispute guidance
- CFPB unauthorized debit and bank-transaction guidance
Credit cards, debit cards, and bank accounts can have different dispute procedures and reporting deadlines.
Watch Out for Fake Spotify Support
Spotify does not currently provide telephone customer support.
Be cautious of anyone who:
- Claims to be Spotify telephone support
- Calls unexpectedly about a refund
- Asks for the complete card number
- Requests the card security code
- Asks for a Spotify or email password
- Requests a one-time authentication code
- Demands remote access to a computer or phone
- Requests gift cards or cryptocurrency
- Requires another payment to release a refund
Begin through Spotify’s official support page rather than an incoming call or sponsored telephone result.
Consumer Reports and Experiences
There are currently zero visible cardholder reports on this ChargeOnMyCard.com page.
No visitor has yet provided:
- The complete 150 Greenwich descriptor
- The charged amount
- The identified merchant
- Whether the charge was Spotify
- Whether it repeated monthly
- Whether Spotify found a matching account
- Whether the bank supplied expanded merchant information
- Whether a refund or dispute was successful
ChargeOnMyCard.com cannot access tenant records, Spotify accounts, payment histories, card accounts, refunds, or bank-dispute systems.
Frequently Asked Questions About 150 Greenwich Street Charges
What is 150 Greenwich Street on my bank statement?
It is the address of 4 World Trade Center in New York. The transaction may involve one of the building’s tenants or a company using the address in its merchant record.
Is 150 Greenwich Street Spotify?
Spotify USA officially occupies the 62nd floor, so Spotify is one possible explanation. The address alone does not confirm Spotify because the building has multiple tenants.
What is located at 150 Greenwich Street?
The address is 4 World Trade Center, a large multi-tenant commercial office building.
Why does it say POS debit Greenwich St?
The bank categorized it as a debit-card point-of-sale transaction. That label can also be used for online, saved-card, or recurring payments.
How do I identify the merchant?
Ask the issuer for the expanded merchant name, telephone number, website, merchant category, transaction type, and any floor or suite information.
How do I know whether it is Spotify?
Check Spotify payment history, receipts, every possible Spotify account, the charged amount, and whether the payment repeats monthly.
Why are there two charges?
They could be a pending and completed entry, a failed payment retry, two Spotify accounts, two different tenants, a family payment, or an actual duplicate.
How do I cancel Spotify?
Sign in, open Manage your plan, select Cancel subscription, complete the confirmation steps, and save the cancellation date.
Does Spotify offer telephone support?
No. Spotify’s current official support page says customer assistance is provided through online messaging rather than telephone support.
What if I canceled but was charged again?
Check whether the payment processed before cancellation, whether another account remains active, or whether a billing partner controls the subscription.
Can I get a refund?
Refund eligibility varies. Contact Spotify through official messaging for a charge review, and cancel recurring billing separately.
What if Spotify cannot find the payment?
Ask the bank for the complete merchant information. The charge may belong to another tenant or company associated with the address.
Can ChargeOnMyCard.com identify the merchant from my private transaction?
No. ChargeOnMyCard.com cannot access bank, card, Spotify, tenant, or merchant-account systems.
Related Charge Guide
- How to Investigate an Unrecognized Credit Card, Debit Card, or Bank Charge
- VMO*Vimeo Charge
- AMZN CLDDRV UNLMTD Charge
This broader guide explains how to obtain merchant information, check authorized users, evaluate pending entries, protect payment information, and contact the issuer.
Help Other Cardholders Identify 150 Greenwich Street
If you saw 150 GREENWICH ST, 150 GREENWICH STREET, POS DEBIT GREENWICH ST, or another variation, please share what the payment represented.
Helpful details include:
- The descriptor format without private transaction references
- The general amount
- Whether it was pending or completed
- Whether the bank supplied a merchant name
- Whether it matched a Spotify account
- Whether it repeated monthly
- Whether another building tenant was identified
- Whether the merchant issued a refund
- How the issuer resolved an unauthorized transaction
Do not post card numbers, card digits, transaction references, account email addresses, Spotify usernames, home addresses, passwords, PINs, CVV codes, or authentication codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, address-based, subscription, streaming, merchant-location, payment-processor, and bank-statement descriptors using current official company resources, building information, statement patterns, and visible cardholder reports.
We distinguish Spotify’s verified presence at 150 Greenwich Street from the separate and unresolved question of which tenant or merchant submitted a specific address-only transaction.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Spotify, Spotify USA Inc., 4 World Trade Center, Silverstein Properties, the Port Authority of New York and New Jersey, the City of New York, any other tenant at 150 Greenwich Street, any cardholder, bank, credit union, card network, payment processor, acquiring bank, or financial institution. This article is provided for informational purposes only and is not financial, legal, subscription, refund, privacy, account-security, dispute, or fraud-prevention advice. Contact the identified merchant and the applicable financial institution directly regarding a specific transaction.
