A 365 Market charge on your bank or credit card statement almost always comes from a self-checkout kiosk purchase at a workplace breakroom, gym, hospital, hotel lobby, or similar spot. The merchant name refers to 365 Retail Markets, the technology company in Troy, Michigan that runs the payment system behind those unstaffed “micro-market” kiosks. The building or vendor where you actually bought the snack or drink doesn’t appear on the statement, which is why the charge often looks unfamiliar even when it’s legitimate.
Why the Charge Shows Up Under That Name
365 Retail Markets provides the software and payment processing for small, cashier-less stores tucked into private locations: office lobbies, breakrooms, dining areas, gym facilities. You scan items at a kiosk and pay by tapping or swiping a card, using Apple Pay or Google Pay, or checking out through the 365Pay mobile app. Because 365 handles the transaction, its name is what your bank sees, not the local operator who stocks the shelves.
One quirk worth knowing about: the kiosk may place a temporary pre-authorization hold on your card when you first tap or swipe, before you’ve scanned anything. The hold amount varies by operator. If you walked away without buying, the hold drops off after a few business days. During that window, a pending “365 Market” line can look like a mystery charge even though nothing was actually purchased.
Confirm Whether the Charge Was Yours
Start by retracing recent visits to anywhere that might have a self-service kiosk. If the amount is a few dollars and matches a snack or drink, the answer is usually a purchase you forgot about.
If you use the 365Pay app or have a Global Market Account, your full transaction history, including item-level receipts with the date, time, and location, lives there. The same information is available by logging in at mymarketaccount.net. If you’ve never registered an account, the physical kiosk displays a Market ID number. That ID lets 365’s support team pinpoint which facility processed the charge and pull the underlying transaction log.
Getting a Refund From 365 Directly
If the kiosk double-charged you, failed to dispense an item, or rang up the wrong product, going through 365 is usually the fastest path. You can open a ticket on the company’s website, use live chat, or reach the support team by email or phone. Have the following ready before you contact them:
- The last four digits of the card you used
- The approximate date and time of the charge
- The facility name or the Market ID from the kiosk, if you can get it
The operator who manages the kiosk at your specific location can also handle refunds, since they take care of the day-to-day stocking and maintenance. Look for a company name or phone number posted on or near the kiosk screen.
If the Charge Is Truly Unauthorized
If you’ve ruled out a legitimate purchase and believe the charge is fraudulent, federal law gives you a dispute path through your bank or card issuer. The rules depend on which type of card you used.
Debit Card
Debit disputes fall under the Electronic Fund Transfer Act, and your liability is tied to how quickly you report the problem:
- Report within two business days: liability capped at $50, or the amount of the unauthorized transfer if that’s less.
- After two business days but within 60 days of the statement: liability rises to $500, or the amount of unauthorized transfers that happened after the two-day window, whichever is less.
- After 60 days: you could be on the hook for the full amount of unauthorized transfers that occurred after the 60-day window.
Once you notify your bank, it generally has 10 business days to investigate. It can extend that to 45 days, but if it does, it has to provisionally credit your account within the original 10 business days while it keeps looking.
Credit Card
Credit card disputes go through the Fair Credit Billing Act. You have 60 days from the date the issuer sent the statement with the disputed charge to submit a written notice of the billing error. The issuer must acknowledge the dispute within 30 days of receiving it and resolve it within two billing cycles, capped at 90 days. While the investigation is open, the issuer can’t try to collect the disputed amount or report it as delinquent. That’s a real advantage over a debit dispute, where your money is already gone while you wait.
Shutting Down Future Charges
If you’ve left the job, moved gyms, or otherwise stopped using the location where the kiosk sits, close the Global Market Account so a stored card isn’t sitting on file. You can do it through the 365Pay app or by contacting the local operator. Any remaining stored-value balance is refundable, though the company may ask for an active credit card number or mailing address to send it back. Accounts also terminate for inactivity after five years.