A charge reading “SP CAMP NYC INC” on your credit or debit card statement is a payment to CAMP, a family entertainment and experiential retail company whose legal name is Camp NYC, Inc. The “SP” prefix is not part of the company’s name; it is a tag added by the payment processor, typically Shopify Payments, that identifies how the transaction was handled.1Shopify Community. Why Are My Customers Not Seeing SP on Their Card Statements If anyone with access to your card recently bought tickets to a CAMP experience, booked a kids’ birthday party, or ordered toys or merchandise from CAMP’s website or a physical store, that is almost certainly the source.
What CAMP Sells
Camp NYC, Inc. runs a chain of family-oriented stores that mix retail with ticketed, themed experiences for children.2Bloomberg. Camp NYC Inc Company Profile A charge from CAMP can come from several places: tickets to a show or themed activity, a birthday party booking, toys or merchandise bought online or in-store, and add-on fees such as extra party time or rescheduling. Activities can run up to $60 per child.3Forbes. Camp Wants to Be Americas Favorite Place for Toys If any of those fits something a family member or authorized user might have done recently, the charge likely matches.
Why the Descriptor Starts With “SP”
Statement descriptors are short — roughly 20 to 25 characters — and typically follow a format of a processor prefix, an asterisk, and a shortened merchant name.4Stripe. Statement Descriptors Shopify Payments has historically prepended “SP*” so the processor is identifiable on the customer’s statement.1Shopify Community. Why Are My Customers Not Seeing SP on Their Card Statements Different banks format the descriptor slightly differently, which is why a legitimate CAMP purchase can still read as something unfamiliar.
How to Verify the Charge
Check the amount and date against any email confirmations or receipts from CAMP first. Then ask anyone else with access to the card, since CAMP’s offerings are aimed at children and gifts or party bookings are easy to forget to mention.
If nothing matches, contact CAMP directly at hi@camp.com with the transaction date and amount so their team can look up the order.5CAMP. Contact
Getting a Refund if the Purchase Was Yours
CAMP’s terms state that purchases are generally non-refundable, with limited exceptions, most notably when CAMP cancels or reschedules an activity and the registration cannot be transferred.6CAMP. Terms of Service Tickets to shows and experiences are non-refundable but can be rescheduled up to two hours before showtime for an additional fee, subject to availability.7CAMP. Shipping and Returns
Merchandise is more flexible. Items in original packaging and unworn condition can be returned within 30 days of purchase with proof of purchase. Personalized items, customized products, sale merchandise, and gift wrap are excluded.8CAMP. Returns and Exchanges Returns start at returns.camp.com.
Birthday party bookings are non-refundable once paid. Rescheduling is free if done at least 21 days before the party date; inside that window a 20% administration fee applies.9CAMP. Celebrations at Camp
Disputing the Charge if It Wasn’t Yours
If no one on the account made the purchase and CAMP cannot find a matching order, treat the charge as unauthorized and dispute it with your card issuer.
For credit cards, the Fair Credit Billing Act caps your liability for unauthorized charges at $50, and many issuers go further with zero-liability policies.10FTC. Using Credit Cards and Disputing Charges Send written notice to the address your issuer designates for billing inquiries, not the payment address. Include your name, account number, and a description of the error with any supporting documents, and make sure it arrives within 60 days of the statement date on which the charge first appeared.11CFPB. How Do I Dispute a Charge on My Credit Card Bill
Your issuer must acknowledge the dispute in writing within 30 days and resolve the investigation within 90 days.10FTC. Using Credit Cards and Disputing Charges While it investigates, you don’t have to pay the disputed amount, and the issuer cannot report you as delinquent or try to collect on it. If the charge turns out to be an error, it has to be removed along with any related finance charges. If the issuer finds the charge valid, it must explain why in writing and tell you what you owe and when.11CFPB. How Do I Dispute a Charge on My Credit Card Bill
Debit cards work differently, and timing matters more. Reporting the fraud within two business days of discovering it limits your liability to $50. Waiting longer can raise it to $500, and delays past 60 days can leave you responsible for the full amount of unauthorized transfers made after that 60-day mark.12FDIC. Consumer News Call your bank as soon as you suspect a debit charge isn’t yours.