Question 1

What is the STRIPE*OPENAI charge on my bank statement?

Accepted Answer

The STRIPE*OPENAI charge is a legitimate billing from OpenAI, processed through Stripe as their payment provider. It typically appears as $20.00 and covers either a ChatGPT Plus monthly subscription or API usage credits for developers accessing OpenAI's models. If you or someone with access to your payment method signed up for ChatGPT Plus or created an OpenAI API account, this charge is expected and valid.

Question 2

I see a $20 charge from STRIPE*OPENAI but I thought ChatGPT was free — what gives?

Accepted Answer

ChatGPT does have a free tier, but OpenAI also offers ChatGPT Plus, a paid subscription at $20.00 per month that gives you access to GPT-4, faster response times, and priority features. If you upgraded to Plus at any point, that is what the STRIPE*OPENAI charge reflects. It is also possible you or a family member set up an OpenAI API account and purchased prepaid credits, which are billed the same way through Stripe.

Question 3

How do I stop getting charged by STRIPE*OPENAI every month?

Accepted Answer

To cancel your OpenAI subscription and stop the recurring $20.00 charge, go to platform.openai.com/account/billing/overview and log in with the account associated with the charge. From there you can cancel your ChatGPT Plus subscription or manage your API billing settings. Make sure to cancel before your next billing date to avoid being charged for the following month. Once cancelled, the STRIPE*OPENAI charge should no longer appear on your statement.

Question 4

Could the STRIPE*OPENAI charge be fraudulent or a scam?

Accepted Answer

In most cases, no. STRIPE*OPENAI is a legitimate charge from OpenAI, the company behind ChatGPT and the GPT series of AI models. Stripe is simply their payment processor, which is why both names appear together on your statement. However, if you are certain no one in your household created an OpenAI account or signed up for ChatGPT Plus, it is worth checking with family members first. If the charge is still unexplained, log in at platform.openai.com/account/billing/overview to review account activity, and contact your bank to dispute the charge if you find no associated account.

STRIPE*OPENAI Charge (What It Is + Is It Legit?)

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