What is the A POSITIVE charge on my credit card?

What is this charge

An A POSITIVE charge on a card statement is commonly tied to A Positive Agency, a U.S.-based marketing and advertising firm operating under the domain apositiveagency.com. The company presents itself as a creative and strategy partner for healthcare and purpose-driven organizations. If this descriptor appears on your card, the transaction is often connected to marketing services, project fees, campaign costs, or other business billing rather than a retail purchase.

Descriptors are often shortened by card networks and processors, so the line item on your statement may not look exactly like the merchant brand name shown on a website or invoice. That mismatch is normal and is one of the most common reasons people search statement descriptors.

Why it appeared

This charge can appear for several legitimate reasons. The most common scenario is that a business account holder, owner, or team member authorized a payment for ongoing agency work. If your organization uses outside marketing support, this may represent monthly retainer billing, campaign management fees, production costs, or approved pass-through spend.

It may also appear after a one-off project milestone. Many agencies bill in stages, such as a deposit, midpoint invoice, and final payment. Depending on your processor and issuer, each stage can post with the same simplified descriptor.

• A monthly retainer invoice was charged to the card on file.
• A campaign production or design milestone was billed.
• A media or platform-related service fee was processed through the agency relationship.
• A teammate used a saved corporate card for approved agency expenses.
• A previous quote converted into a paid service engagement.

Is it legit

In many cases, yes. A Positive Agency publicly lists contact details and describes its services as strategy, creative, and campaign support. That said, a descriptor match alone is not proof that every charge is valid for your account. Cards can be used by multiple stakeholders in a business, and old card credentials can remain on file if they are not removed after a project closes.

The right approach is to treat this as potentially legitimate but always verifiable. Confirm whether your company has an active or recent relationship with A Positive Agency before paying or disputing blindly. If you also track other platform descriptors, you may see unrelated entries in the same month, such as Patreon or Cash App, so isolate this specific line item and match it to documentation.

How to verify

Verification should be quick and methodical. Start with the amount, post date, and last four card digits from your bank app. Then compare those details with internal records such as marketing invoices, purchase orders, statements of work, and email approvals. In business settings, the person who approved creative scope may not be the same person who reviews bank activity, so cross-check with finance and marketing leads.

• Search your inbox and accounting system for "A Positive" and "apositiveagency".
• Check whether the amount matches a retainer, proposal, or invoice total.
• Confirm whether anyone in your company recently updated a card on file.
• Contact the merchant directly using known channels before disputing.
• Ask your card issuer for enhanced transaction details if needed.

If you need direct confirmation, use the merchant contacts shown publicly: phone (561) 666-2121 and email khoffner@apositiveagency.com. Keep your outreach factual: include transaction date, amount, and the last four digits only. Do not share full card numbers by email.

Pricing breakdown

A Positive Agency does not publish standardized card pricing tiers on its public site, so exact amounts can vary by scope and contract. In agency billing, card transactions can range from smaller recurring service charges to larger project milestone payments. For many businesses, statement amounts may vary widely month to month based on campaign complexity, production needs, and media-support components.

As a practical review framework, separate charges into three buckets:

• Recurring service fees: usually predictable month-to-month retainers.
• Project milestones: larger one-time amounts tied to deliverables.
• Variable campaign costs: fluctuating totals based on active initiatives.

If your amount is much higher than expected, ask for an itemized breakdown and reconciliation against your signed scope of work. If it is lower than expected, verify whether it is a partial capture, deposit, or prorated invoice.

How to cancel

Canceling future charges depends on your agreement terms. In most service relationships, cancellation is handled through written notice, not just a verbal request. If your card is on file, request two actions at the same time: contract termination confirmation and payment method removal confirmation.

• Email the merchant from an authorized business address.
• Reference the contract or statement of work ID if available.
• Request effective cancellation date in writing.
• Ask for confirmation that recurring billing is disabled.
• Keep copies of all messages for your records.

If you cannot get timely confirmation, contact your card issuer and ask about blocking future merchant-initiated transactions from this descriptor while you finalize cancellation documentation.

How to dispute

If the transaction is unrecognized, duplicated, or not consistent with your agreement, dispute it promptly through your card issuer. Most issuers let you start this process in-app, by phone, or through online banking. Provide clear supporting details: statement screenshot, amount, date, and the steps you already took to resolve directly with the merchant.

For card-network reason coding, common selections include fraud/card-not-present unauthorized use, canceled recurring transaction, or services not received. Your bank will map your claim to its supported reason code set and may issue a temporary credit while the case is reviewed.

• Submit the dispute as soon as you identify the issue.
• Attach evidence showing cancellation attempts or non-delivery.
• Respond quickly to issuer requests for additional documents.
• Monitor for provisional credits and final decision notices.

What if unrecognized

If nobody in your household or company recognizes the charge, treat it as potentially unauthorized and act immediately. First, lock the card in your banking app to stop additional risk. Next, call the issuer fraud line and request a replacement card if advised. Then review recent transactions for other unknown merchants, especially small test charges posted near the same date.

For business cards, also review user permissions and saved payment methods in procurement, ad platforms, and finance tools. Unauthorized internal use is less common than simple confusion, but both should be investigated with the same discipline.

After reporting, keep a timeline of what happened: when the charge posted, when you contacted the merchant, when you filed the dispute, and any reference numbers from your bank. That timeline helps if you need to escalate.

In short, an A POSITIVE descriptor is often connected to a real agency billing relationship, but confirmation should always be transaction-specific. Verify first, cancel in writing if needed, and dispute quickly when the charge cannot be validated.