A “Neocortext” charge from Reface on your bank or credit card statement is a billing descriptor for NeoCortext, Inc., the company that makes the Reface face-swapping and AI content app. The charge almost always comes from a Reface subscription that auto-renewed, often after a free trial or a weekly plan a user forgot about. You can usually stop it by canceling through the platform you originally signed up on, requesting a refund within Reface’s short refund window, and, if that fails, disputing the charge with your bank.
Where the Charge Comes From
Reface is a mobile and web app that uses generative AI to swap faces in photos and videos and create AI avatars. It is developed by NeoCortext, Inc.1Dealroom.co. Reface Company Profile On statements, the descriptor may appear as “Neocortext,” “Neocortex,” or a close variation.
Paid Reface plans are sold weekly, monthly, and annually on mobile, with separate pricing on the web.2fritz.ai. Reface App Review All of them auto-renew at the start of each billing cycle.3Reface. How Does Subscription Work Free trials convert into paid subscriptions automatically unless canceled at least 24 hours before the trial ends.4Reface. Terms of Use The weekly plan is a common source of surprise charges: it looks cheap at roughly $2.49 to $3.99 per week, but adds up to around $150 to $200 per year if you forget to cancel.
How to Cancel Based on Where You Signed Up
You have to cancel through whichever platform originally processed your subscription. Deleting the Reface app from your phone does not cancel the subscription; the billing relationship exists separately from the app installation.5Reface. Reface FAQ
- iPhone or iPad. Open Settings, tap your name, then Subscriptions. Select Reface and tap Cancel Subscription.6Reface. Cancel Subscription
- Android. Open the Google Play Store, tap your profile icon, then Payments & Subscriptions, then Subscriptions. Find Reface and tap Cancel Subscription.6Reface. Cancel Subscription
- Web. Open Reface, go to your Profile page, click the Settings icon, log in, tap Support, and select Cancel Subscription.6Reface. Cancel Subscription
- Signed up through Reface’s website or a social media link. If your subscription does not appear in your Apple or Google settings, it was processed directly by NeoCortext, and Apple and Google cannot cancel or refund it. Email hello@reface.ai to request cancellation.7Apple. Apple Support Communities Discussion
Cancellation takes effect at the end of the current billing period. Reface does not prorate refunds for unused time within a period you have already paid for.4Reface. Terms of Use
Why Canceling the Card Alone May Not Stop the Charges
Replacing or canceling the card on file is not a reliable way to kill the subscription. Visa and Mastercard operate an Automatic Billing Updater program that migrates recurring charges to a replacement card automatically when the old one expires or is reissued. If you want to be sure the charges stop, cancel the subscription at the source and, if you dispute with your bank, ask them to block future charges from the merchant as well.7Apple. Apple Support Communities Discussion
How to Get a Refund
Reface’s refund policy allows a full refund within two calendar days of an initial purchase.4Reface. Terms of Use For an auto-renewal charge, you have 48 hours from the renewal to request a refund, and only if there has been no activity on the account since the charge.5Reface. Reface FAQ Outside those windows the company considers purchases final.
Where you request the refund depends on where you were billed:
- iOS charges. Request through Apple’s Report a Problem page at reportaproblem.apple.com within 48 hours.5Reface. Reface FAQ
- Android charges. Request through Google Play’s refund page within 48 hours.5Reface. Reface FAQ
- Web charges. Request within 30 days of purchase, provided there has been no significant usage of the service.5Reface. Reface FAQ
If you are unsure whether you qualify, email your invoice to support@reface.ai and ask for a case-by-case review.5Reface. Reface FAQ
Disputing the Charge With Your Bank
If Reface or the app store refuses a refund, you can dispute the charge with your card issuer. Under the Fair Credit Billing Act, you have 60 days from the date the charge first appeared on your statement to send a written dispute notice.8Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill The issuer must acknowledge the dispute within 30 days and generally resolve it within 90 days.9Federal Trade Commission. Using Credit Cards and Disputing Charges
While the investigation is pending, you are not required to pay the disputed amount or related interest, and the issuer cannot report it as delinquent. Federal law also caps your liability for unauthorized charges at $50.9Federal Trade Commission. Using Credit Cards and Disputing Charges When you file the dispute, ask the bank to both reverse the charge and block future charges from the merchant, so the Automatic Billing Updater program does not quietly reconnect the subscription to a new card number.7Apple. Apple Support Communities Discussion
Your Rights Under the FTC Click-to-Cancel Rule
Difficult subscription cancellations have drawn federal attention. In October 2024 the Federal Trade Commission finalized a “Click-to-Cancel” rule requiring businesses to make canceling as simple as signing up. The rule also requires clear upfront disclosure of material terms before billing information is collected and bans pre-checked consent boxes and terms buried in long agreements. Most provisions took effect in April 2025.10Federal Trade Commission. FTC Announces Final Click-to-Cancel Rule No enforcement action specifically targeting Reface or NeoCortext has been publicly reported.