A "365 Market" charge is usually a purchase you made at a store, gas station, or online retailer that processes payments through a payment processor called 365 Market
When you see "365 Market" on your statement, it does not mean you were charged by a mysterious company. It means the merchant you bought from — whether that is a gas station, convenience store, or small online shop — uses 365 Market as their payment processor. The processor is the middleman that takes your card information, checks with your bank, and moves the money from your account to the store's account. The charge itself is for whatever you actually bought.
The name "365 Market" appears on your statement instead of the store's name because that is how the merchant set up their payment system. Some small retailers and independent shops use 365 Market rather than Visa or Mastercard's own processing networks. This is especially common at independent gas stations, corner stores, and smaller online retailers.
If you do not recognize the charge, the first step is to think about where you shopped in the days before the charge appeared. Check your email for receipts. If you still cannot place it, contact your card issuer — the bank that sent you the card — and they can tell you the exact merchant location or website where the charge originated.
Key Takeaways
- 365 Market is a payment processor, not the company that charged you — the actual merchant is the store or website where you made the purchase.
- The charge appears under "365 Market" on your statement because that is how the merchant's payment system is set up to display.
- If you do not recognize the charge, check your email for receipts from the days before it appeared, then contact your card issuer if you still cannot identify it.
- You can dispute the charge with your card issuer if you did not make the purchase or if the amount is wrong.
How to find out what you actually bought
The statement line itself usually shows only "365 Market" and the dollar amount. To find the actual merchant, you have three options: check your email for a receipt, log into the merchant's website if you remember where you shopped, or call your card issuer.
Your card issuer has the full merchant details in their system. When you call the customer service number on the back of your card, tell them the date and amount of the 365 Market charge. They can pull up the merchant code — a number that identifies the actual store or website — and tell you exactly where the charge came from. This usually takes a few minutes on the phone.
If you made the purchase online, check your email inbox and spam folder for an order confirmation. Online retailers almost always send a receipt email within minutes of purchase, even if you do not remember signing up. The email will have the merchant's real name and what you ordered.
When a 365 Market charge is wrong or unfamiliar
If you are certain you did not make the purchase, or if the amount is incorrect, you can dispute it with your card issuer. This is called a chargeback. You do not need to contact 365 Market directly — they are just the processor. You contact your card issuer instead.
Call the number on the back of your card and tell them you want to dispute the charge. Have the statement date and amount ready. Your issuer will ask you why you are disputing it — whether you did not make the purchase, the amount is wrong, or the merchant never delivered what you paid for. They will then investigate and either reverse the charge or explain why it is legitimate.
The investigation usually takes 10 business days to two months, depending on your card issuer. During that time, the charge may stay on your statement, but your issuer can give you a temporary credit while they investigate. If the dispute is found in your favor, the charge is removed and you keep the credit.
Why small merchants use 365 Market instead of major card networks
Large retailers like Target or Amazon process payments directly through Visa and Mastercard networks, so those names appear on your statement. Smaller merchants — independent gas stations, convenience stores, and niche online shops — sometimes use third-party processors like 365 Market because it is cheaper or easier for them to set up.
Using a processor like 365 Market does not make the merchant less legitimate or the charge less safe. It just means they chose a different payment system. Your card protections are the same either way — your issuer still guarantees the transaction and will investigate disputes.
How to avoid confusion with future charges
If you shop at a store that uses 365 Market, you now know that is where the charge will come from on your statement. Save the receipt or the email confirmation so you can match it to the statement line later. This is especially helpful if you shop at the same independent retailer regularly.
You can also set up purchase notifications through your card issuer's app or website. Many banks let you turn on alerts that text or email you every time your card is used. This way you will see the 365 Market charge appear in real time and can immediately match it to what you bought, rather than being confused weeks later when you review your statement.
Frequently Asked Questions
Is 365 Market a scam?
No. 365 Market is a legitimate payment processor used by real merchants. If you see a charge from them, it means a store or website you shopped at uses their system. If you did not make the purchase, that is a fraud issue with the specific merchant, not with 365 Market itself. Contact your card issuer to dispute it.
Can I get a refund directly from 365 Market?
No. 365 Market only processes the payment — they do not handle refunds or customer service. You must contact the actual merchant for a refund, or contact your card issuer to dispute the charge if the merchant will not refund you.
Why does my statement show 365 Market instead of the store name?
The merchant chose to use 365 Market as their payment processor, so that is the name that appears on statements. It is similar to how some stores use Square or PayPal to process cards. The processor's name shows up instead of the store's name because that is how the payment system is configured.
What if I made the purchase but the amount is wrong?
Contact your card issuer and dispute the charge, explaining that the amount charged does not match what you agreed to pay. Your issuer will investigate and contact the merchant. You can also contact the merchant directly to ask them to correct the charge or issue a refund.
Can I block 365 Market charges on my card?
You cannot block charges from a specific processor. However, you can stop shopping at merchants that use 365 Market, or you can contact your card issuer to ask about blocking specific merchant codes if you are being charged repeatedly without your consent.