What is the CoreCapture charge on my credit card?
Facts checked
Short answer
CoreCapture is a payment recovery service. When an online purchase or subscription renewal is declined, some merchants hand it to CoreCapture, which retries your card later and charges it under its own name. So the real seller is a different company, and CoreCapture's confirmation email should name it. Its current website is corecaptured.com.
How it shows up on your statement
- CORECAPTURED.COM
- CORECAPTURE.CO
- CORECAPTURE
Banks trim and reformat these, so yours may be shorter or carry a different city or number. Why charge names look strange.
Who is CoreCapture?
CoreCapture describes itself as "a behind-the-scenes recovery engine that helps online businesses reclaim lost revenue from failed transactions." When a payment fails, a merchant that uses it passes the transaction to CoreCapture, which buys it and tries your card again in the background using stored card details. If the retry goes through, the charge carries CoreCapture's name.
Its own terms say so directly: the transaction "might appear in your billing statement as conducted by CoreCapture and not directly by the Merchant," and CoreCapture "is an independent, third-party service provider that is not affiliated with any Merchant." The merchant is still responsible for whatever you bought.
The business has moved websites. The old domain on many statements, corecapture.co, is now a parked page, which understandably looks suspicious. The live site is corecaptured.com. CoreCapture doesn't name a legal entity or an address on its site.
Why is CoreCapture on my card statement?
A payment you made, or one that renewed automatically, failed at first and was collected later.
- A declined purchase that went through later. CoreCapture lists insufficient funds, issuer rejections and authorization mismatches among the declines it handles. If you saw an error at checkout and assumed nothing was charged, this is how it can turn up anyway.
- A subscription renewal that failed and was retried. CoreCapture's support site has a separate page for cancelling subscriptions.
- A double charge. If you paid again another way and CoreCapture's retry also succeeded, you paid twice. CoreCapture has a support page for exactly that.
- Someone else's purchase made with your card details.
The amount matches the original merchant's charge; one user report described $19.99. Retrying failed card payments is ordinary dunning. The unusual part here is that a third party's name lands on your statement instead of the store's.
How to get a refund for a CoreCapture charge
CoreCapture sends you to the merchant first, because the merchant decides refunds.
- Search your email, spam included, for a message from corecaptured.com. CoreCapture says it emails you when it completes a transaction, and the email should name the merchant and the purchase.
- Contact that merchant by replying to the email or through its website, and ask for the refund or cancellation.
- If you can't find the email or identify the merchant, or the merchant hasn't answered within 5 business days, contact CoreCapture: +1 844-590-2625, support@corecaptured.com, or the form at support.corecaptured.com/contact. Include the last 4 digits of the card.
Under CoreCapture's merchant terms, once a refund is approved, CoreCapture pays it back itself if it collected the money. Use only the contact details on corecaptured.com. A number with an 833 area code that turns up next to "core capture" in search results doesn't appear on CoreCapture's site.
What if you never bought anything?
Look for a payment that failed, not one that succeeded. That's the one CoreCapture retried.
- Search email for corecaptured.com, CoreCapture and corecapture.co around the charge date.
- Think back for any online purchase, free trial or renewal that was declined in the days or weeks before, especially when your balance was low.
- Check whether you, or someone in your household, paid for the same thing again another way.
- Ask CoreCapture which merchant the charge was for, giving the card's last 4 digits, the date and the amount, as its contact form asks.
If CoreCapture can't name a merchant, or the merchant has no record of you, dispute the charge with your card issuer as unauthorized and ask for a new card. CoreCapture's terms include an arbitration clause, but that covers claims against CoreCapture; it doesn't stop you disputing the charge with your own bank. There's little public record on CoreCapture, and we found no regulator or court action against it.
Still don’t recognize it? Dispute it with your bank
- Open the transaction in your banking app. The detail view often shows a longer merchant name, a phone number or a city that the statement line cuts off.
- Ask the merchant for a refund first. It is usually faster than a dispute, and your card issuer may ask whether you tried.
- If the merchant says no, or you think your card number was stolen, call the number on the back of your card. Ask them to dispute the charge and, if it is fraud, to cancel the card and send a new one.
- For a credit card, follow up in writing. The FTC says your letter should reach the issuer within 60 days after the first bill with the error was sent to you, at the billing inquiries address rather than the payments address.
Federal law caps what you owe for unauthorized credit card charges at $50. Debit cards work differently: if only your card number was used, you owe nothing as long as you report it within 60 days after the statement is sent, but the money is gone from your account while the bank looks into it. See the FTC's guide to lost or stolen cards. A successful dispute becomes a chargeback against the merchant.
Questions people ask
- What is CoreCapture on my credit card?
- A payment recovery service that retries online purchases and renewals that were declined, and charges your card under its own name when the retry succeeds. The real seller is another merchant.
- How do I find out what the CoreCapture charge was for?
- Look for an email from corecaptured.com, which should name the merchant. If you can't find it, contact CoreCapture at +1 844-590-2625 or support@corecaptured.com with the card's last 4 digits.
- Why does corecapture.co go to a parked page?
- CoreCapture moved to corecaptured.com. The old corecapture.co domain, which still appears on some statements, is now parked.
- Can CoreCapture charge me for a payment that was declined?
- That's what it does. Merchants that use it hand over failed transactions, and CoreCapture retries the card later. Its terms say the charge may show CoreCapture's name rather than the merchant's.
- Is CoreCapture a scam?
- We found no regulator or court action against it, and its role is spelled out in its own terms. If neither CoreCapture nor any merchant can show you a purchase, dispute the charge with your bank.
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Read on . Policies and phone numbers change, so confirm on the company’s own site before you act.