A charge starting with FSP* on your statement

FSP* means you paid a business that takes cards through Fullsteam, a US company that owns software used by parking lots, limo and shuttle firms, associations, training schools, party rental firms and others. The name after FSP* is the business you paid. Refunds come from that business.¹²

This is not the same as FS * or FSPRG. Those are FastSpring, which sells software and online subscriptions.

Who is behind it

Fullsteam was founded in 2018 and is based in Auburn, Alabama and Atlanta. It buys software companies and builds its own card payments into their software. It says it serves more than 60,000 businesses, and lists associations, parking and ground transportation, self storage and marinas, weddings and events, wineries, repair shops and healthcare practices among its industries.²³ Its legal name shows up in public records: a Texas county education department’s September 2022 disbursement report lists 13 card payments under FSP*TRANSACTIONS (FULLSTEAM OPERATIONS LLC).⁴

What it looks like on a real statement

The State of Delaware publishes every purchase its employees make on state cards, with the merchant name as the bank received it. When we counted on 29 September 2026 it had 2,299 lines starting FSP*, under 149 different names, from March 2020 to August 2026. The count grew every full year, from 123 in 2021 to 586 in 2025.⁵

The largest groups are parking lots and garages (686 lines), travel, which here means limos, shuttles and charter buses (431), membership organisations (386), and recreation such as party and bounce-house rentals (279).⁵

Every one of the 2,299 lines is written FSP* with no space. None of them uses the FSP - form StarChapter describes. 596 lines stop at exactly 25 characters, which leaves 21 for the name, and only four lines, all from one limo company, are longer.⁵ Long names lose their ends:

Short lines are often an association’s initials: FSP*NCSC, FSP*NACM, FSP*IHMM.⁵ Some banks also print a phone number and a state after the name. A Michigan nonprofit that publishes its bank statements shows a $495 card payment as Fsp*Gbta 703-684-0836 VA.⁶ If your line has a number like that, search it along with the name.

How to find what it was

1. Think about the kinds of places that use it Parking, especially off-airport and monthly parking. A car service, shuttle or charter bus. Membership dues or a conference fee for a trade or professional association. A CPR or certification class. A party rental, bounce house, tent or pool service. A storage unit, marina or winery club.
2. Search the first words, or the initials, with the place and the date Put the first one or two words after FSP* into a search engine. If it is a string of capital letters, add "association" or the field you work in; it is often an association’s initials.
3. Search your email for a receipt Search for the name and for the exact amount (for example 495.00). Parking and car services often send the receipt from the software’s name, not the business’s.
4. Ask the business, not Fullsteam, for a refund The business refunds you from its own software. StarChapter tells its associations they can "process refunds" themselves and that the money "will typically take 5 to 7 business days" to reach the card.¹ Commerce7, Fullsteam’s winery software, tells wineries they can refund a payment in Fullsteam’s own portal, where it can be looked up by the last four digits of the card.⁷⁹ Give the date, the amount and your card’s last four digits. Ask in writing if you can, and keep the reply.
5. If you cannot place it, or never used that business, go to your bank Fullsteam’s website has no page for people who were charged; the only complaint form on it is for the Canadian card industry code of conduct.⁸ Bring your bank the statement line exactly as printed, the date and the amount, and what you already tried. Ask what its deadline is for disputing a charge. It depends on the bank, the card network and the reason, and missing it can end your options.

A pending FSP* line that went away

Commerce7 tells wineries that a payment refunded on the same day, before that night’s batch, is voided: neither the charge nor the refund goes through, and "the Customer may see a 'pending' charge on their statement and it usually drops off within a few days".⁹ A pending line that disappears without a matching refund line is usually that.

Is this fraud?

Usually not. In Delaware’s data the FSP* lines are parking, car services, associations, classes and rentals, the same industries Fullsteam lists.³⁵ A line you do not recognise is most often a business whose name was cut short, or an association you pay once a year.

But an FSP* prefix does not make a charge genuine. If you have been through the steps above and still cannot place it, treat it as unauthorized: call your bank, ask for a new card, and dispute it.

Why this page is on a site about held money

The businesses behind FSP* lines are paid by Fullsteam, and a processor can hold that money back. StarChapter says its associations are normally paid 2–3 days after a sale, and that the deposit shows as "Fullsteam SV9" on their bank statement.¹ The incident record has no Fullsteam holds yet. If your line starts SQ *, that one is Square; WPY* is WePay, used by many clubs and race sign-ups; EB * is an Eventbrite ticket; SPI* followed by a power or TV company is a bill paid through Speedpay; CTLP* or USA* for a few dollars is a vending machine or laundry machine with a Cantaloupe card reader. Other lines are in the table of statement names.

Sources

1. StarChapter Knowledgebase, "StarPay FAQs": "How will transactions display on the purchaser’s credit card statement?", "What is the timeline for refund processing?", "When are funds deposited into our bank account?", "How will deposits display on my organization’s bank account?". kb.starchapter.com. Read on 29 September 2026. Archived copy of 28 September 2026.
2. Fullsteam, "About Us": founded 2018, headquarters in Auburn, AL and Atlanta, GA, "60,000+ Customers". fullsteam.com/about. Read on 29 September 2026. Archived copy of 28 September 2026.
3. Fullsteam, "Our Verticals". fullsteam.com/our-verticals. Read on 29 September 2026.
4. Harris County Department of Education, disbursement report, September 2022, card transactions recap by vendor. PDF on hcde-texas.org’s file host. Read on 29 September 2026. Archived copy of 28 September 2026.
5. State of Delaware Open Data, State Employee Credit Card Transactions, fields "merchant", "trans_dt" and "cat_descr". Lines starting FSP. Queried and counted on 29 September 2026. Delaware writes "&" as " And "; we counted lengths with it put back.
6. Michigan Business Travel Association, bank statement for January 2025, published on its website, card purchase dated 15 January. gbtamichigan.org. Read on 29 September 2026. Archived copy of 28 September 2026.
7. Commerce7 Help Center, "Refunding to an Expired Card (Fullsteam Payments)", and "Fullsteam’s Pulse (Merchant Track) Portal". documentation.commerce7.com. Read on 29 September 2026.
8. Fullsteam, "Complaints & Feedback", Canadian Code of Conduct Complaint, revised 21 January 2026; and the site’s sitemap, 20 pages, read the same day. fullsteam.com/complaints. Read on 29 September 2026. Archived copy of 28 September 2026.
9. Commerce7 Help Center, "Gateway Reconciliation - Transactions and Payouts to your Bank (Fullsteam Payments)", "Voided status". documentation.commerce7.com. Read on 29 September 2026. Archived copy of 28 September 2026.