A charge from COINFLOW SP or COINFLOW on your statement

COINFLOW SP is not a shop, a game or a subscription product. It is the first two words of the registered name of Coinflow’s Polish company, Coinflow Sp. z o.o. The Polish court register lists the full name as COINFLOW SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, KRS 0001107350, entered on 24 May 2024, with its registered office in Poznań. Its sole shareholder is Coinflow Labs Limited.¹

Coinflow’s terms name Coinflow Sp. z o.o. as one of its affiliates, alongside CF Labs Ltd. in Malta and CF Labs Canada, Inc.² Coinflow is a payment company. Its own site lists gaming companies, ticketing platforms, marketplaces and other businesses among the companies it serves.³ The charge is a payment taken through Coinflow for one of those businesses.

What the name means

Sp. is the usual abbreviation for spółka, the Polish word for company; sp. z o.o. is a limited liability company. The register writes the legal form in full. A statement line reading COINFLOW SP matches the first two words of that registered name.¹

Why Coinflow’s name is on the charge

Coinflow’s terms describe the arrangement. The business that sells to you is the customer. Coinflow says it is “the agent of the Customer for purposes of accepting payments”, that the customer “shall be deemed to be the payee”, and that Coinflow “is not a party to any Transaction”.² That is why the payment can reach Coinflow even though the thing you bought came from someone else.

The name on the statement is not fixed. Coinflow’s checkout API has an optional statementDescriptor field, and its documentation says: “If the bank supports dynamic descriptors, this will appear on the customer’s statement.”⁵ A merchant that sets one can put its own name there. The field is optional, so not every merchant does; that is one reason two purchases through the same processor can look different on two statements.

Coinflow’s site lists the kinds of businesses it serves: gaming companies taking payments for in-game purchases, ticketing platforms selling live events, marketplaces, remittance platforms, fintechs, e-commerce, payroll and travel.³ If the amount fits a game, a ticket or a marketplace order, start there.

What cardholders report

The three reviews below are on Coinflow’s Trustpilot page. They are the reviewers’ own statements, not our findings; we have not seen the underlying transactions, and Trustpilot labels them “Unprompted review”.⁶⁷⁸ The $2,409 review is also recorded as HF-2026-1960 in the incident record.

How to find what it was

1. Search your email for the amount, not the name. Search every address you use, including spam, for the exact amount and for “Coinflow”. Then search for the names of games, ticketing sites, marketplaces and betting sites you have used. A receipt from the business is more useful than the statement line, because the business is the party that sold you the thing.
2. Ask the business first. Coinflow’s terms say the customer “is solely responsible for providing customer support for Purchasers, and for resolving all Purchaser disputes related to the Services”.² Give the business the date, the amount and the last four digits of the card. Ask in writing if you can, and keep the reply.
3. Check whether the charge is still pending. Coinflow’s documentation says a purchase that fails authorization or its fraud check is cancelled, the cardholder sees a temporary pending charge, and the refund is made within one business day; it also says the pending charge “will disappear within about 24 hours”.⁴ A pending line is not the same as a settled charge.
4. If the business will not answer, go to your bank. Bring the statement line exactly as printed, the date, the amount, and what you already tried with the business. Ask the bank what its deadline is for disputing the charge. It depends on the bank, the card network and the reason, and missing it can end your options.

How to stop a recurring charge

If the charge repeats, the merchant has a subscription on your card, and the cancellation is in the merchant’s account, not in Coinflow’s. The terms put purchaser support and disputes on the business, so the business is the party that can stop the next charge and refund the last one.² Cancel in the account where you bought the subscription, ask for a written confirmation, and keep it. Deleting the app or removing the card from your phone does not cancel a subscription that the merchant already holds.

If the merchant will not cancel, ask your bank to block further payments and to dispute the charge you did not authorise. If the merchant has taken the money and will not refund it, a US regulator complaint is a separate route from a card dispute; the page on that route explains which door makes a company answer in writing.

Is COINFLOW SP a scam?

No. It is a real payment company: the Polish register entry is public, the company is wholly owned by Coinflow Labs Limited, and Coinflow’s terms and API documentation are published on its own site.¹²⁵ That does not make a particular charge authorised. A real processor can carry a charge you did not make, or a charge from a merchant you do not recognise. The question is whether you made the purchase, not whether the company exists.

If you are the merchant

Coinflow’s terms let it establish a reserve “to secure the performance of Customer’s obligations”, and let it apply money in that reserve to amounts it says the customer owes. They also let Coinflow suspend or terminate the services if it reasonably determines that the customer “poses a security, credit, legal, or any other material risk”.² Those are contract terms, not findings about any particular account. If Coinflow is holding your balance, report the case with the date, the amount and what it told you; verified merchant cases go into the incident record.

Other billing names are in the table of unfamiliar charges. For gaming payments taken by another company, see XSOLLA.

Sources

1. Republic of Poland, National Court Register (Krajowy Rejestr Sądowy), current extract for KRS 0001107350, generated 1 November 2026, state as of 3 August 2026. api-krs.ms.gov.pl (JSON). Read on 1 November 2026. No archived copy on that date.
2. Coinflow, “Terms of Service”, effective 1 September 2026, version 3.0. Parties; Schedule 1, definition of “Affiliate”; section 6, “Agent of the Payee”; section 8, “Customer Obligations”; section 12.1, “Reserve”; section 17.3, “Suspension of Services”. coinflow.cash/legal/terms-of-service. Read on 1 November 2026. The web archive returned no snapshot on that date.
3. Coinflow, home page, “Who We Serve”: gaming companies, ticketing platforms, marketplaces, remittance, fintechs, e-commerce, payroll and travel. coinflow.cash. Read on 1 November 2026.
4. Coinflow Documentation, “How Card Payments Work”, sections “Payment Capture” and “FAQ”. docs.coinflow.cash. Read on 1 November 2026.
5. Coinflow API Reference, “Saved Card Checkout”, request field statementDescriptor. docs.coinflow.cash. Read on 1 November 2026.
6. Trustpilot, review by Jack (United States), “Coin flow fraud”, published 31 January 2026, describing 29 January 2026. trustpilot.com/reviews/697e7409dd57688e686d15bf. The live page returned 403 to our automated reader; the full review text was read through a text renderer of the same URL on 1 November 2026. No archived copy on that date.
7. Trustpilot, review by pamela jackson (United States), “Coinflow stole 25$ from my account…”, published 11 June 2026, describing 10 June 2026. trustpilot.com/reviews/6a2a09829ad4d5fe67d0ab1f. Read on 1 November 2026 through a text renderer of the same URL; the live page returned 403 to our automated reader. No archived copy on that date.
8. Trustpilot, review by Shane Alexander Mcclough (United States), “Usually this company is legit…”, published 23 August 2026, describing 6 August 2026. trustpilot.com/reviews/6a8acb6420e1b70ffaffd9b4. Read on 1 November 2026 through a text renderer of the same URL; the live page returned 403 to our automated reader. No archived copy on that date.