A 548 Market St charge on your credit card may be associated with ChatGPT, OpenAI, or an OpenAI API purchase. However, 548 Market Street is a mailing address used by multiple businesses, so the address by itself does not conclusively identify the merchant.
Quick answer: If the complete transaction also contains OPENAI, CHATGPT, OPENAI *CHATGPT SUBSCR, or an OpenAI invoice number, it is likely connected to an OpenAI service. Confirm it through your ChatGPT or OpenAI billing history before disputing it.
What Is the 548 Market St Charge?
548 Market Street is a San Francisco mailing address, not a unique merchant name. A bank may display a merchant’s billing address when its recognizable business name is missing, abbreviated, or supplemented by information from a transaction-data provider.
Cardholders and OpenAI customers have reported seeing the address written in forms such as:
- 548 MARKET ST
- 548 MARKET STREET
- 548 MARKET ST PMB 97273
- OPENAI *CHATGPT SUBSCR
- OPENAI or CHATGPT followed by a San Francisco address
The exact wording can vary by bank, card network, country, and transaction type. Some banking apps also add a mapped address that was not part of the original merchant descriptor.
Is 548 Market St Connected to ChatGPT or OpenAI?
It can be. Reports posted on the OpenAI developer community have shown OpenAI, LLC invoices using 548 Market Street, PMB 97273. Other cardholders have reported the same address beside an OPENAI *CHATGPT SUBSCR transaction.
This makes OpenAI a plausible explanation, particularly if you recently purchased one of the following:
- A paid ChatGPT subscription purchased on the web
- A ChatGPT Business workspace subscription
- OpenAI API credits or usage
- Another paid OpenAI service
Nevertheless, the connection should not be assumed from the address alone. The letters PMB mean “private mailbox,” and different mailbox numbers at the same street address can belong to unrelated organizations.
OpenAI’s current published legal address is also different from 548 Market Street. An older billing address may continue to appear in an invoice, processor record, or bank database after a company updates its corporate address.
How to Verify a 548 Market St Charge
1. View the complete transaction details
Open the transaction in your bank or credit card app and look for the complete merchant descriptor, website, phone number, location, merchant category, and any PMB number. The raw descriptor may provide more information than the abbreviated name shown in the transaction list.
If necessary, call the number on the back of your card and ask the bank for the complete merchant descriptor and merchant contact information transmitted with the charge.
2. Check your ChatGPT invoices
Sign in directly at chatgpt.com. Depending on the current interface, open Settings, then Account or Billing, followed by Payment or Manage.
Look under Invoice History for an invoice matching the card charge’s date and amount. OpenAI provides additional instructions in its ChatGPT invoice guide.
If the invoice history is empty, make sure you are signed into the correct ChatGPT account or workspace. Check every email address you may have used to create an account.
3. Check OpenAI API billing separately
ChatGPT subscriptions and OpenAI API usage have separate billing systems. A ChatGPT subscription will not necessarily appear in your API billing history, and API purchases will not necessarily appear among your ChatGPT invoices.
If you have used the OpenAI API, sign in to the official OpenAI Platform billing page and compare its payment history with the transaction.
4. Check Apple and Google subscriptions
If you purchased ChatGPT through an iPhone, iPad, or Android device, the subscription may be managed by Apple or Google instead of OpenAI’s web billing system. Check your Apple App Store or Google Play purchase history.
A mobile subscription may appear under an Apple or Google descriptor rather than 548 Market Street. It also will not appear in the normal ChatGPT web invoice history.
5. Search your email receipts
Search every relevant inbox for terms such as OpenAI, ChatGPT, invoice, receipt, and the exact transaction amount. Remember to check spam, archived mail, work accounts, and the email connected to your Apple or Google account.
Why Did I Receive More Than One ChatGPT Charge?
Possible explanations for multiple OpenAI or ChatGPT charges include:
- Separate subscriptions purchased on the web and through an app store
- Subscriptions under two different email addresses
- A personal ChatGPT plan and a ChatGPT Business workspace
- OpenAI API usage in addition to a ChatGPT subscription
- A recently renewed subscription that was not canceled before its billing date
- An unauthorized purchase
OpenAI specifically advises customers to check the web, Apple App Store, and Google Play because subscriptions on different platforms are billed separately.
How to Cancel a ChatGPT Subscription
For a subscription purchased directly through ChatGPT on the web:
- Sign in to the correct ChatGPT account.
- Open Settings.
- Select Account or Billing.
- Open the payment or subscription management portal.
- Select Cancel Subscription.
If you subscribed through Apple or Google, cancel it through that app store. Deleting or uninstalling the ChatGPT app does not cancel an active mobile subscription.
OpenAI recommends canceling at least 24 hours before the next billing date. See OpenAI’s current ChatGPT cancellation instructions for the latest steps.
How to Request a Refund
For a web subscription or a qualifying Google Play purchase, sign in to the account connected to the charge and use the chat widget at the official OpenAI Help Center.
Apple controls refunds for subscriptions purchased through the Apple App Store, so those requests must be submitted directly to Apple. Refund eligibility can depend on how the purchase was made, when it occurred, and the laws where you live.
What If the 548 Market St Charge Is Unauthorized?
If you cannot match the transaction to any ChatGPT account, workspace, API account, app-store purchase, or email receipt, treat it as potentially unauthorized.
- Lock or freeze the affected card if your bank provides that option.
- Contact the bank using the number printed on the card.
- Report the transaction and ask whether the card should be replaced.
- Contact OpenAI through its unauthorized-charge support instructions.
- Keep copies of the statement, bank correspondence, and any support case numbers.
Privacy warning: Do not post your full card number, security code, account password, invoice, email address, or unredacted bank statement in a public comment. ChargeOnMyCard cannot access, cancel, or refund an OpenAI account.
Frequently Asked Questions
What does 548 Market St mean on a credit card statement?
It is a San Francisco mailing address that may have been supplied with the transaction or added by the bank’s merchant-information service. It is not, by itself, a complete merchant identity.
Is a 548 Market St charge from ChatGPT?
Possibly. The address has appeared on reported OpenAI invoices and ChatGPT card records. Confirm the transaction through your ChatGPT invoice history, OpenAI API billing, email receipts, and app-store purchase history.
Is 548 Market St definitely OpenAI?
No. Different businesses can use private mailboxes at the same address. A matching OpenAI or ChatGPT name, invoice, date, and amount provides much stronger identification than the street address alone.
Why is the charge not shown in my ChatGPT account?
You may be signed into a different account, the subscription may belong to another workspace, or it may have been purchased through Apple or Google. OpenAI API billing is also separate from ChatGPT billing.
Can ChargeOnMyCard cancel this charge?
No. ChargeOnMyCard is an independent information website and does not have access to OpenAI, ChatGPT, app-store, bank, or credit card accounts.
Related Help
If the transaction still cannot be identified, follow our complete guide to investigating an unrecognized charge on your bank or credit card statement.
Last reviewed and updated: August 6, 2026.
Disclaimer: ChargeOnMyCard is not affiliated with or endorsed by OpenAI, ChatGPT, Apple, Google, or any business using 548 Market Street. Merchant descriptors, addresses, account interfaces, and support procedures may change. Verify all transactions directly with the merchant and your financial institution.