If you don't recognize the charge, follow these steps to develop a "useful report" for your bank: Why Report Fraud? | Federal Trade Commission

: Likely refers to the specific platform or billing entity (e.g., Paymentico

: If you recently bought something from a smaller or international retailer, they might use this gateway. Authorization Hold

: If you don’t recognize the transaction, immediately contact your financial institution to freeze or block your card.

If you find a "UPG-Paymentico" charge that you did not authorize: