An A&R Troy charge on a credit card, debit card, or bank statement is strongly connected with Agave & Rye, the restaurant located at 2 N. Market St. in Troy, Ohio.
Official City of Troy records identify A&R Troy LLC as the permit holder for Agave & Rye at that exact address, while Agave & Rye’s current official website independently confirms its Troy restaurant at 2 N Market Street.
What Is the A&R Troy Charge?
A&R Troy LLC is directly connected in official Troy records with:
Agave & Rye
2 N Market St.
Troy, OH 45373
A City of Troy liquor-permit record identifies:
Permit Holder: A&R Troy LLC
DBA: Agave & Rye
Address: 2 N. Market Street
Agave & Rye’s official website currently lists the same Troy location and provides the restaurant telephone number:
This combination of municipal records and the restaurant’s own location information provides strong evidence that an A&R Troy card charge can represent an Agave & Rye Troy transaction.
Why Does My Card Say A&R Troy Instead of Agave & Rye?
The statement may be displaying the restaurant’s legal or merchant-account name rather than the consumer-facing Agave & Rye brand.
Restaurant transactions can appear under:
- The restaurant name
- The legal LLC name
- A shortened merchant name
- The specific location’s business entity
- A payment-processing descriptor
In this case, the initials A&R correspond naturally with Agave & Rye, and Troy city records provide direct documentary confirmation of the connection.
What Is Agave & Rye?
Agave & Rye is a restaurant concept known for specialty tacos, cocktails, margaritas, appetizers, and other creatively styled food and drinks.
Its current menu includes categories such as:
- Tacos
- Chips and dips
- Appetizers and shared dishes
- Entrées and non-taco dishes
- Desserts
- Margaritas
- Cocktails
- Mocktails and other beverages
Agave & Rye operates restaurants in Ohio and several other states.
The Troy restaurant is currently listed at:
Agave & Rye Troy
2 N Market St.
Troy, OH 45373
Phone: 937-741-8226
Official Website: AgaveAndRye.com
What Could an A&R Troy Charge Be For?
A legitimate transaction could result from:
- Dining at Agave & Rye Troy
- Food ordered at the restaurant
- Alcoholic drinks
- Margaritas or cocktails
- Takeout
- An online food order
- A group meal
- A bar tab
- A tip or gratuity
- Catering or an event
- A gift-card purchase
- A purchase made by another authorized cardholder
If you were in or near Troy, Ohio around the transaction date, check whether you visited Agave & Rye.
Could A&R Troy Be a Restaurant or Bar Charge?
Yes.
Agave & Rye Troy serves both food and alcoholic beverages.
Official Troy liquor records show that the location holds permits associated with its restaurant and alcohol service.
A charge could therefore relate to:
- A lunch or dinner
- Drinks at the bar
- Food plus cocktails
- A shared tab
- A meal where someone else in your group used the card
If the amount seems larger than expected, check whether drinks, tax, merchant fees, and gratuity were included.
Why Is My A&R Troy Charge Higher Than I Remember?
Restaurant card totals can differ from the amount you initially remember seeing.
Possible reasons include:
- A tip added after the initial authorization
- Sales tax
- Alcohol purchases
- Additional food ordered later
- A merchant fee
- Multiple people included on the same check
Agave & Rye currently states that it has introduced a 3% merchant fee to address operating costs while maintaining menu pricing.
Therefore, your final card total may include that merchant fee in addition to the menu subtotal, tax, and tip.
Check your receipt before assuming the amount is incorrect.
Could A&R Troy Be a Pending Restaurant Authorization?
Yes.
Restaurants commonly authorize a card before the final transaction amount is settled.
A pending transaction may initially show:
- The food-and-drink subtotal
- An estimated amount
- An authorization before the tip is added
Once the restaurant closes the transaction, the final posted amount may include the gratuity.
This can make it appear temporarily as though:
- The amount changed
- There are two charges
- The tip was charged separately
Check whether one transaction remains marked pending before assuming you were charged twice.
Could A&R Troy Be an Online Order?
Yes.
Agave & Rye currently provides online ordering from its official website.
A card transaction may therefore occur even if you did not physically sit down inside the Troy restaurant.
Check for:
- Pickup orders
- Online takeout orders
- Food ordered by another household member
- Orders placed from a saved card
Search your email and text messages for:
- Agave & Rye
- A&R Troy
- Food order
- Pickup
- Order confirmation
- The exact transaction amount
Agave & Rye’s official location directory currently includes an Order Online option.
Could It Be a Delivery Order?
Possibly.
Agave & Rye Troy is also available through third-party food-ordering services.
Depending on how the payment is handled, a delivery transaction might appear under:
- The delivery platform
- Agave & Rye
- A restaurant legal name
Check:
- DoorDash
- Uber Eats
- Grubhub
- Other delivery accounts you use
However, if the card specifically says A&R Troy, a direct restaurant transaction is an especially strong possibility.
Could the Charge Be for a Gift Card?
Possibly.
Agave & Rye currently sells gift cards through its official website.
If the transaction does not match a restaurant visit, check whether:
- You bought an Agave & Rye gift card.
- A family member bought a gift.
- An employee used a company card for a gift-card purchase.
- You purchased a gift card for an upcoming event.
Search email for a gift-card receipt or confirmation.
Could A&R Troy Be a Catering or Event Charge?
Yes.
Agave & Rye currently offers catering and event services.
A larger transaction could therefore relate to:
- Catering
- A company event
- A party
- A large group meal
- Food ordered for an office or gathering
If the amount is much larger than an ordinary restaurant bill, ask anyone with access to the card whether they arranged an event or group order.
How to Identify an A&R Troy Charge
Use these steps:
- Check whether you were in Troy, Ohio. Compare the transaction date with your travel or dining history.
- Think about Agave & Rye. The restaurant is located at 2 N Market St.
- Search email for Agave & Rye. Look for order and payment confirmations.
- Check the amount. Compare it with your restaurant receipt.
- Include the tip. The posted card amount may be higher than the initial authorization.
- Account for the merchant fee. Agave & Rye currently discloses a 3% merchant fee.
- Review delivery apps. Check recent food orders.
- Ask other cardholders. Another authorized user may have eaten at or ordered from the restaurant.
- Contact the Troy restaurant. Ask whether it can help locate a transaction by date and amount.
How to Contact Agave & Rye Troy
Current official location information lists:
Agave & Rye Troy
2 N Market St.
Troy, OH 45373
Phone: 937-741-8226
Website: Agave & Rye Locations
Agave & Rye also provides a contact form on its official website.
When asking about a card charge, have:
- Transaction date
- Approximate dining time
- Transaction amount
- Last four digits of the card if legitimately requested
- Receipt number if available
Do not send your complete card number, CVV, PIN, banking password, or one-time authentication codes.
What If You Don’t Remember Visiting Agave & Rye?
First ask anyone else authorized to use the card.
A spouse, family member, employee, or other authorized user may recognize:
- Agave & Rye
- A Troy restaurant visit
- A takeout order
- A bar tab
- An online food order
Also check:
- Calendar history
- Location history
- Food-delivery apps
- Email receipts
- Text messages
People often remember the restaurant name immediately even when they do not recognize its LLC descriptor.
What Should You Ask Your Bank About A&R Troy?
If the transaction still seems unfamiliar, ask your card issuer for:
- The complete merchant name
- Merchant address
- Merchant telephone number
- Merchant category
- Whether the physical card was present
- Whether the transaction was online
- Whether a mobile wallet was used
- Whether the transaction includes a tip adjustment
Information showing:
2 N Market St.
Troy, Ohio
or the phone number:
937-741-8226
would provide additional confirmation that the transaction came from Agave & Rye Troy.
Is an A&R Troy Charge Fraud?
Not automatically.
A&R Troy LLC has a well-documented connection to a legitimate restaurant.
Official City of Troy records identify the permit holder as A&R Troy LLC doing business as Agave & Rye at 2 N Market St.
A legitimate charge could result from:
- A restaurant meal
- A bar tab
- Takeout
- An online order
- Catering
- A gift card
- A purchase made by another authorized cardholder
If nobody authorized to use the card recognizes the completed transaction, contact the restaurant and your financial institution promptly.
How to Dispute an Unauthorized A&R Troy Charge
If you have never visited or ordered from Agave & Rye Troy and nobody else authorized to use the card recognizes the transaction, contact your issuer using:
- The telephone number printed on the back of the card
- The bank’s official mobile app
- The bank’s official website
Ask:
- Was the physical card used at the restaurant?
- Was the transaction online?
- What merchant address was submitted?
- Was a digital wallet used?
- Are additional transactions pending?
- Should the card be locked or replaced?
See our guide to investigating an unrecognized credit-card or bank charge for additional steps.
Frequently Asked Questions
What is A&R Troy on my credit card?
A&R Troy is strongly connected with Agave & Rye in Troy, Ohio. Official Troy records identify A&R Troy LLC as the permit holder for Agave & Rye at 2 N Market St.
Is A&R Troy Agave & Rye?
Yes, the connection is strongly documented. City of Troy records specifically identify A&R Troy LLC with the Agave & Rye restaurant at 2 N Market Street.
Where is A&R Troy?
Agave & Rye Troy is located at 2 N Market St., Troy, OH 45373.
What is the phone number for Agave & Rye Troy?
Agave & Rye’s official location page currently lists 937-741-8226.
Could A&R Troy be a restaurant charge?
Yes. It could represent food, drinks, a bar tab, takeout, an online order, catering, or another purchase at Agave & Rye Troy.
Why is my A&R Troy amount higher than I expected?
Check tax, gratuity, drinks, additional items, and Agave & Rye’s currently disclosed 3% merchant fee. A pending restaurant authorization can also change when the final tip is added.
Does Agave & Rye charge a merchant fee?
Yes. Agave & Rye currently states that it has implemented a 3% merchant fee.
Could A&R Troy be an online order?
Yes. Agave & Rye provides online ordering, so the cardholder does not necessarily need to have eaten inside the restaurant.
Could A&R Troy be a bar charge?
Yes. Agave & Rye serves alcoholic beverages, and Troy city records document alcohol permits for the location.
Is an A&R Troy charge fraud?
Not automatically. It is strongly associated with the legitimate Agave & Rye Troy restaurant. If nobody recognizes the transaction after checking restaurant visits and online orders, contact the restaurant and your card issuer.
Related Charge Guides
- Unrecognized credit-card or bank charge: what to do
- Restaurant charges on credit-card statements
- Report an unknown statement charge
Why Trust ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, restaurant, bar, online-order, merchant-name, LLC, and bank-statement descriptors using official business information, municipal records, merchant websites, payment clues, and consumer financial resources.
For this guide, official City of Troy records specifically identify A&R Troy LLC as the permit holder doing business as Agave & Rye at 2 N Market St., Troy, Ohio.
Agave & Rye’s current official website independently confirms its Troy restaurant at the same address and lists 937-741-8226 as the location telephone number.
Agave & Rye also currently discloses a 3% merchant fee, which can help explain why a completed restaurant transaction differs slightly from the menu subtotal a customer remembers.
These matching official records provide strong evidence that an A&R Troy card-statement transaction can represent an Agave & Rye Troy purchase.
Last reviewed: August 20, 2026
ChargeOnMyCard.com is not affiliated with A&R Troy LLC, Agave & Rye, EPIC Brands, the City of Troy, any food-delivery company, payment processor, card network, bank, or financial institution. This article provides general informational guidance and cannot access a restaurant receipt, reservation, online order, credit card, debit card, or bank account; identify who authorized a private transaction; change a tip; cancel an order; issue a refund; block a card; or file a dispute. Verify an individual charge with Agave & Rye Troy and your financial institution.