esimple
Billing & Refunds

How esimple charges appear on your statement

Merchant name, USD pricing, FX conversion, 3D Secure, and when the charge actually finalises.

How esimple Charges Appear on Your Statement

Quick reference so you can match the transaction on your bank statement to your purchase.

The merchant name

Your bank statement will show one of:

  • ESIMPLE PTE LTD
  • ESIMPLE
  • STRIPE * ESIMPLE (some banks prefix the payment processor)

esimple is operated by esimple Pte. Ltd., a Singapore-registered company. That's the legal entity on the receipt and the merchant name on the charge.

The amount

Prices on the site are shown in US dollars. The charge to your card is also in USD. If your card is denominated in a different currency, your bank converts at their daily rate — that's why the amount in your local currency on the statement may not match the exact figure on your receipt.

If you want to know the conversion rate your bank used, it's usually printed on the statement next to the line item, or shown in your banking app when you tap the transaction.

Foreign transaction fees: some cards charge a 1–3% fee on transactions billed outside your home country. Whether this applies depends on your card, not on us. If you don't like the FX fee, a fee-free travel card (most online-only banks offer one) handles it.

3D Secure (the "verify with your bank" popup)

First-time purchases — and sometimes larger ones — trigger 3D Secure, your bank's identity check. It looks like:

  • A redirect to your bank's page asking for an SMS code, app confirmation, or biometric tap.
  • A push notification from your banking app.
  • A short delay before the charge completes.

3DS is your bank's protection, not ours. We don't see your password or codes. If 3DS fails, the payment fails and we don't charge — try again, or try a different card.

When the charge actually appears

Three states are possible right after checkout:

  1. Pending / authorised. The charge shows up on your statement but hasn't been finalised. This usually appears within seconds. Some banks call this "pending" or "processing."
  2. Captured / settled. The charge is final. Typically within minutes to a few hours.
  3. Failed. No money moves. You'll see a brief auth that drops off your statement in 1–7 days (depending on your bank). See Failed payment if this keeps happening.

Your activation email arrives once the charge is captured, not just authorised.

What if I don't recognise a charge?

If you see "ESIMPLE" on your statement and don't remember buying anything:

  1. Check the date and amount against your inbox — search for "esimple" in your email.
  2. Ask anyone with access to your card whether they bought an eSIM (partners, family, etc.).
  3. If genuinely unfamiliar, email support@esimple.ai with the date, amount, and last 4 digits of the card. We can identify the transaction on our side and refund if it's a mistake.

Receipts and invoices

Every purchase generates a receipt to your email. You can also pull a full receipt + invoice (with company details if you need it for expense reporting) from esimple.ai/account → tap the order → "Download invoice."

If you need a custom invoice with a specific company name, VAT number, or address, email support@esimple.ai with the details and we'll reissue.

How esimple charges appear on your statement · esimple