An AR3 LLC charge on your bank statement, credit card, or debit card may be connected with Zip, the buy-now-pay-later service formerly known as Quadpay. Zip has confirmed that some installment payments appeared as AR3 LLC* QUADPAY ANYWH instead of the expected Zip or Quadpay wording.
The payment may be one installment from an earlier retail purchase, so the original store name may not appear on the bank statement. Review your Zip account, scheduled payments, email receipts, and authorized card users before deciding whether the AR3 LLC charge was unauthorized.
What Is AR3 LLC on a Bank Statement?
AR3 LLC on a bank statement most likely identifies an installment payment associated with Zip Co, particularly when the full descriptor also contains QUADPAY, ZIPCO, ANYWH, or the historical telephone number 833-782-3729.
AR3 LLC is listed as a U.S. company within the Zip Co corporate group. Possible explanations for the transaction include:
- A scheduled Zip Pay in 4 installment
- A purchase originally made through Quadpay
- An online purchase completed with a Zip virtual card
- An in-store Zip transaction
- A payment for an order where Zip appeared instead of the retailer
- A failed installment that Zip retried
- A pending authorization followed by a posted payment
- A purchase made by another authorized cardholder
- An unauthorized use of the card or Zip account
The AR3 LLC wording does not identify the original retailer, product, order number, account holder, or person who made the purchase.
Is AR3 LLC Connected to Zip and Quadpay?
Yes. Zip Co’s corporate reporting identifies AR3 LLC as a wholly owned U.S. entity within the Zip group.
Quadpay was the former U.S. branding for the installment-payment service now known as Zip. Older accounts, payment agreements, bank records, and merchant descriptions may still display Quadpay wording.
The connection is especially strong when the statement says:
- AR3 LLC* QUADPAY ANYWH
- AR3 LLC QUADPAY
- AR3 LLC QUA
- ZIPCO* QUADPAY ANYWHE
- AR3 LLC 8337823729
A descriptor showing only AR3 LLC should still be verified. Similar company names may exist, and the bank description alone does not conclusively identify the underlying purchase.
Why Did AR3 LLC Appear Instead of Zip?
Zip acknowledged a technical descriptor issue that affected some customer bank statements in January 2024.
Zip said the expected wording was:
ZIPCO* QUADPAY ANYWHE
Some affected payments instead displayed:
AR3 LLC* QUADPAY ANYWH
Zip said it became aware of the problem and resolved it on January 16, 2024.
This explains why some legitimate Zip customers saw an unfamiliar AR3 LLC name and disputed a valid installment. It does not mean that every AR3 LLC transaction is authorized or belongs to the same Zip account.
Common AR3 LLC Statement Variations
- AR3 LLC
- AR3 LLC NY
- AR3 LLC QUA
- AR3 LLC* QUA
- AR3 LLC QUADPAY
- AR3 LLC* QUADPAY ANYWH
- AR3 LLC QUADPAY ANYWHERE
- AR QUA AR3 LLC* QUA
- ZIPCO* QUADPAY ANYWHE
- ZIPCO QUADPAY
- QUADPAY ANYWHERE
- AR3 LLC 8337823729
- AR3 LLC 833-782-3729
- RECURRING AR3 LLC
- POS DEBIT AR3 LLC
- CHECKCARD AR3 LLC
- PENDING AR3 LLC
- AR3 LLC REFUND
Banks may remove spaces, shorten the descriptor, omit the retailer, or display a company name, telephone number, transaction type, or city connected with the payment record.
What Is an AR3 LLC Charge?
An AR3 LLC charge may be one of several payments created when a purchase was divided into installments through Zip.
For example, one purchase may produce:
- An initial payment at checkout
- A second payment approximately two weeks later
- A third payment approximately four weeks after the purchase
- A final payment approximately six weeks after the purchase
The exact schedule depends on the Zip product and agreement. A repeated AR3 LLC payment may therefore be part of an installment schedule rather than a separate subscription.
What Is AR3 LLC NY?
AR3 LLC NY may reflect Zip-related merchant or corporate information associated with New York.
Zip’s current U.S. contact address is in New York:
Zip Inc.
228 Park Ave S, PMB 59872
New York, NY 10003-1502
The appearance of NY does not show that the original retailer, product, or cardholder was located in New York. It may reflect the payment company’s address or other merchant-account data.
Is AR3 LLC the Same as 833-782-3729?
The historical telephone number 1-833-782-3729 has been associated with Quadpay and Zip Co US Inc. It may appear with an AR3 LLC or Quadpay transaction.
Possible variations include:
- 18337823729
- 8337823729
- 833-782-3729
- +18337823729
- AR3 LLC 8337823729
- QUADPAY 8337823729
The old number is not Zip’s current published customer-service number. Use the dedicated 18337823729 Zip and Quadpay charge guide for more detail about that descriptor.
Zip’s current official support number is:
Why Is AR3 LLC Charging My Card Every Two Weeks?
Zip currently offers installment plans that can divide a purchase into four payments over six weeks. Scheduled payments are commonly collected from a linked card every two weeks.
A recurring-looking AR3 LLC transaction may therefore represent:
- The second, third, or fourth payment for an earlier purchase
- Installments from more than one Zip order
- A payment retry after insufficient funds
- A rescheduled Zip installment
- Two accounts using the same debit or credit card
- An unauthorized Zip transaction
Check the dates and amounts against every active Zip payment plan. Equal payments appearing every two weeks are a strong clue that the entries may be installments.
Why Does the Statement Not Show the Original Store?
Zip can function as the payment service between the cardholder and the original merchant. A Zip-generated payment method may be used to complete the retail purchase, while the customer later pays Zip through scheduled installments.
You may remember buying from:
- An online retailer
- A clothing store
- An electronics company
- A travel provider
- A home-goods seller
- A marketplace
- A local store
The bank may display AR3 LLC, Zip, Quadpay, or a telephone number instead of that retailer’s name.
How to Verify an AR3 LLC Charge
- Copy the complete descriptor exactly as shown by the bank.
- Record the amount, transaction date, posting date, and whether the entry is pending or completed.
- Open the official Zip app or customer account.
- Review current and completed orders.
- Compare the amount with all scheduled installments.
- Look for a retailer purchase made approximately zero, two, four, or six weeks earlier.
- Search email for Zip, Quadpay, AR3 LLC, order, installment, payment, and the exact amount.
- Review Zip text messages and app notifications.
- Ask household members and other authorized card users.
- Check whether the card is saved in another Zip account.
- Ask the bank for the complete merchant name, merchant ID, telephone number, and recurring-payment indicator.
- Contact Zip through its official support page if no payment plan matches.
How to Check Your Zip Account
Use the official Zip sign-in page or the Zip mobile app.
Review:
- Active purchases
- Completed purchases
- Upcoming installment dates
- Original retailer names
- Payment amounts
- Linked cards
- Failed payments
- Payment retries
- Refunds and plan adjustments
Check every email address or phone number that may have been used to create a Zip or Quadpay account.
What Is the Recurring $40 AR3 LLC Charge?
One visitor to this page reported a recurring $40 AR3 LLC debit-card charge.
A $40 payment could be:
- One installment from a larger Zip purchase
- One of four equal payments
- An installment from a second Zip order
- A failed payment being retried
- A manual and automatic payment close together
- An unauthorized transaction
The amount alone cannot identify the retailer or order. Compare the transaction with every Zip installment schedule and contact Zip if no account record matches it.
Why Are There Several AR3 LLC Charges?
Several AR3 LLC entries could represent:
- Multiple installments from one purchase
- Payments from several Zip purchases
- A pending authorization and final posted payment
- A failed installment followed by a retry
- Two Zip accounts using the same card
- Another authorized cardholder’s purchase
- A duplicate payment
- Repeated unauthorized use of the card
Match every amount and date with the Zip schedule. Do not assume two entries are duplicates until pending authorizations have cleared.
Why Is the AR3 LLC Charge Pending?
A pending AR3 LLC transaction may be an authorization or installment that has not fully posted.
The pending entry may:
- Become the completed Zip payment
- Disappear if the payment fails
- Be replaced by a final transaction
- Be followed by a payment retry
Contact Zip and the issuer promptly if the pending transaction is unfamiliar or you have never used Zip.
Why Did AR3 LLC Charge Me Twice?
Two transactions may represent:
- A pending and completed payment
- Two scheduled installments
- Two separate Zip orders
- A failed payment followed by a successful retry
- A manual early payment and an automatic payment
- A genuine duplicate submission
- Unauthorized activity
Review both entries in the Zip app. Contact Zip if two completed payments cannot be matched with an order or payment schedule.
How to Contact Zip About AR3 LLC
- Official website: Zip United States
- Customer sign-in: Access the Zip customer account
- Help Center: Zip Help Center
- Contact page: Official Zip contact options
- Support form: Submit a request to Zip
- Support email: us-support@care.zip.co
- Current customer-service number: 1-888-274-3159
- Telephone hours: Daily, 9 a.m.–9 p.m. Eastern
- Messaging hours: Daily, 7 a.m.–11 p.m. Eastern
- Mailing address: Zip Inc., 228 Park Ave S, PMB 59872, New York, NY 10003-1502
Use Zip’s current official support channels rather than an old telephone number copied from a bank statement or search result.
What Information Should I Give Zip?
Provide only the minimum information needed to identify the transaction:
- The exact AR3 LLC descriptor
- The payment amount
- The transaction and posting dates
- The last four digits of the card
- The possible Zip account email or telephone number
- Whether the payment is pending or completed
- Any matching Zip order number
Do not send a complete card number, bank password, PIN, CVV security code, or one-time verification code through an unverified contact channel.
How Do AR3 LLC Refunds Work?
A refund for an underlying Zip purchase normally begins with the original retailer.
- Identify the retailer in the Zip account.
- Follow the retailer’s return or cancellation policy.
- Ask the retailer to initiate the refund.
- Save the return receipt and refund confirmation.
- Monitor the Zip payment plan for an adjustment.
- Contact Zip if the merchant confirms the refund but the plan does not update.
Zip says refunds can take up to 13 days to be reflected after the merchant processes and reports the refund. Future installments may be adjusted, canceled, or refunded depending on the amount and status of the payment plan.
Disputing one installment does not automatically cancel the original retail purchase or all remaining Zip payments.
What If You Never Used Zip or Quadpay?
If neither you nor another authorized cardholder recognizes Zip, Quadpay, or the original purchase:
- Confirm whether the AR3 LLC charge is pending or completed.
- Search all email accounts for Zip or Quadpay messages.
- Ask household members and authorized card users.
- Contact Zip through its official support page.
- Provide the transaction date, amount, and descriptor.
- Ask whether Zip can locate a matching account or order.
- Lock the card if more unfamiliar charges are appearing.
- Contact the issuer using the number printed on the card.
- Follow the issuer’s unauthorized-transaction procedure.
- Ask whether the card number or stored payment token should be replaced.
AR3 LLC and Zip are legitimate company names, but that does not prove that a specific transaction was authorized by the cardholder.
What If Someone Used My Card Through Zip?
Someone may have entered or saved the card in a Zip account without the cardholder’s permission.
Possible situations include:
- A household member used the card
- The card was stored in another person’s Zip account
- A shopping account containing the card was compromised
- The card information was entered into a new Zip account
- A digital wallet or virtual card was involved
- The cardholder’s Zip account was accessed without permission
Report the transaction to both Zip and the card issuer. Ask Zip to identify the original retailer and ask the issuer whether additional authorization attempts are visible.
What If You Disputed a Legitimate AR3 LLC Charge?
Some customers disputed AR3 LLC transactions because the descriptor did not resemble Zip or the original merchant.
If you later confirm that the transaction was a valid Zip installment:
- Contact the bank and ask how to withdraw the dispute.
- Request written confirmation from the bank.
- Contact Zip support.
- Provide any documentation Zip requests.
- Confirm that the installment and account status are corrected.
- Keep copies of all communications.
Do not withdraw a dispute unless you have independently verified the retailer, purchase, account, and installment.
Consumer Reports and Experiences
There is currently one visible cardholder report on this page.
- The visitor described a recurring $40 debit-card transaction.
- The visitor identified the displayed merchant as AR3 LLC.
- The visitor said the telephone number no longer worked.
- The report did not name the original retailer.
- The report did not confirm whether a Zip or Quadpay account existed.
- No final refund, cancellation, dispute, or support outcome was provided.
The report is consistent with a possible Zip installment displaying AR3 LLC wording, but it does not independently prove which account, purchase, retailer, or person caused the transaction.
Frequently Asked Questions About AR3 LLC Charges
What is AR3 LLC on my bank statement?
It most likely identifies a Zip or former Quadpay installment, especially when the descriptor also contains QUADPAY, ZIPCO, ANYWH, or 833-782-3729.
What is an AR3 LLC charge?
It may be one of several scheduled Zip payments for an earlier retail purchase. Check your Zip account for a matching installment.
Is AR3 LLC a real company?
Yes. Zip Co’s corporate reporting lists AR3 LLC as a wholly owned U.S. entity within the Zip corporate group.
Why does AR3 LLC appear instead of Zip?
Zip confirmed that a January 2024 technical issue changed some descriptors from ZIPCO* QUADPAY ANYWHE to AR3 LLC* QUADPAY ANYWH.
Is AR3 LLC the same as Quadpay?
AR3 LLC is within the Zip group. Quadpay was the former U.S. brand name for the service now known as Zip.
Why is AR3 LLC charging me every two weeks?
The entries may be scheduled installments from a Zip purchase. Zip’s Pay in 4 service commonly collects payments every two weeks over six weeks.
What is AR3 LLC NY?
The NY may reflect Zip’s New York corporate or merchant-account information rather than the location of the original retailer.
What is AR3 LLC 8337823729?
The number 833-782-3729 was historically associated with Quadpay and Zip. Zip now publishes 1-888-274-3159 for current support.
Why did AR3 LLC charge me twice?
There may be two installments, a pending and completed entry, a payment retry, two orders, a duplicate payment, or unauthorized activity.
How do I find the original store?
Open the Zip app or customer account and compare the transaction amount and date with active and completed purchases.
How do I get a refund?
Start with the original retailer. After the merchant approves and initiates the refund, Zip updates the installment plan.
What is Zip’s current telephone number?
Zip currently lists 1-888-274-3159 for U.S. customer support.
Should I dispute an AR3 LLC charge?
First check every Zip or Quadpay account, installment schedule, receipt, and authorized cardholder. Contact the issuer promptly when no authorized purchase explains the completed transaction.
Related Charge Guides
- 18337823729 Zip, Quadpay, and AR3 LLC Charge
- 700 Nicollet Mall Sezzle Installment Charge
- How to Investigate an Unrecognized Card Charge
These guides cover the related historical Zip telephone number, another buy-now-pay-later provider, and general unfamiliar-charge investigation. Their inclusion does not mean the companies, retailers, accounts, or transactions are connected.
Help Other Cardholders Identify This Charge
If you saw AR3 LLC, AR3 LLC NY, AR3 LLC* QUADPAY ANYWH, ZIPCO* QUADPAY ANYWHE, AR3 LLC 8337823729, or another variation, please share what the payment involved.
Helpful details include the exact descriptor, general amount, original retailer, installment schedule, whether the payment repeated every two weeks, and how Zip or the bank resolved it.
Do not post complete card numbers, bank-account numbers, Zip account emails, telephone numbers, order numbers, home addresses, passwords, PINs, CVV security codes, or one-time verification codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, buy-now-pay-later, installment-payment, subsidiary-name, telephone-number, and bank-statement descriptors using current official company resources, corporate filings, transaction clues, descriptor variations, and visible cardholder reports.
When a payment service, former brand, subsidiary, or technical descriptor appears instead of the original retailer, we explain the verified connection and show readers how to locate the underlying transaction safely.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with AR3 LLC, AR3 Holdco LLC, Zip, Zip Co Limited, Zip Co US Inc., Quadpay, WebBank, any retailer, cardholder, bank, card network, payment processor, or financial institution. This article is for informational purposes only and is not financial, legal, lending, banking, installment-payment, refund, dispute, account-security, or fraud-prevention advice. Contact Zip, the original retailer, and your financial institution directly about a specific transaction.
