Seeing a SPI*DIRECT SERVICE charge on your statement?

Common ways SPI*DIRECT SERVICE charges might appear on your statement

SPIDIRECT SERVICE
CHKCARD SPIDIRECT SERVICE
CHECKCARD SPIDIRECT SERVICE
POS Debit SPIDIRECT SERVICE
POS PUR SPIDIRECT SERVICE
POS PURCH SPIDIRECT SERVICE
POS PURCHASE SPIDIRECT SERVICE
PENDING SPIDIRECT SERVICE

What is SPI*DIRECT SERVICE?

SPI*DIRECT SERVICE is a billing descriptor that appears on bank or credit-card statements. According to user reports, it is frequently tied to a charge from DIRECTV (or related satellite/cable-TV services) processed via a third-party identifier.

Common causes for SPI*DIRECT SERVICE charges

A monthly subscription fee for DIRECTV service that appears under “SPI*DIRECT SERVICE” instead of “DIRECTV”.
A one-time payment or upgrade to the service (e.g., equipment rental, add-on channel package) processed through the billing channel under this descriptor.

Decoding **SPI*DIRECT SERVICE** charge tags

SPI* is a prefix indicating the payment processor or merchant account identifier (in this case “SPI”).
DIRECT SERVICE is the descriptor notation likely referencing the service provided (such as the DIRECTV subscription service).
Prefixes like CHKCARD, CHECKCARD, POS PURCH, PENDING reflect how your bank categorises the transaction (e.g., debit card purchase, pending authorisation).

What to do
if you
don’t recognize this charge

Spot, verify, and resolve suspicious charges in minutes.

Contact your bank.

Call your bank using the number on the back of your card.
Contact the merchant.

Call their customer service to verify the charge and get transaction details.
Dispute the charge & monitor account.

If it appears fraudulent, report it to your bank or card issuer.

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