440 Terry Ave N Charge on Credit Card [Identified]
A 440 Terry Ave N charge on credit card can look like a store you never visited. You may only see a Seattle street and a ZIP code. That is enough to make anyone pause.
In most cases, this line is Amazon billing, not a trip to Washington. Check your Amazon account before you assume fraud.
What Is a 440 Terry Ave N Charge on Credit Card?
A 440 Terry Ave N charge on credit card is typically a payment processed by Amazon. The street sits in Seattle’s South Lake Union area, where Amazon has a large campus.
Amazon.com, Inc. lists its principal office at 410 Terry Avenue North, Seattle, WA 98109-5210 in public company filings. 440 Terry Ave N is next door on the same campus. Some Amazon legal entities also list 440 Terry Avenue North as a headquarters address.
Your bank often prints that street instead of a simple “Amazon” label. That is a merchant descriptor. It is the short name your issuer is allowed to show. It can include an address, a phone number, or a service nickname.
This charge generally is not a restaurant, hotel, or parking garage at that block. It is usually an online purchase, a digital order, or a subscription tied to an Amazon account.
How this charge may appear on your statement
Issuers shorten names in different ways. The same Amazon payment can look different on Visa, Mastercard, Amex, or a debit card.
You may see lines such as:
| Statement text you may see | What it typically points to |
|---|---|
| 440 TERRY AVE N SEATTLE WA 98109 | Amazon billing using the campus address |
| AMAZON DIGITAL 440 TERRY AVE N | Digital goods or digital subscriptions |
| AMAZON DIG 440 TERRY AVE N 866-216-1072 WA | Amazon Digital Services descriptor |
| AMAZON.COM … 440 TERRY AVE N AMZN.COM/BILL | Amazon.com purchase or account billing |
| AMAZON PRIME 440 TERRY AVE N | Prime membership billing |
| AMAZON VIDEO 440 TERRY AVE N | Prime Video or video-on-demand |
| AMZN MKTP … 440 TERRY AVE N | Marketplace order billed through Amazon |
You may also see POS, CHECKCARD, CHKCARD, PRE-AUTH, or PENDING in front of the address. Those tags usually come from your bank, not from a second company.
The number 866-216-1072 often prints on older Amazon Digital descriptors. Amazon Help has cited that number in the past. Still start with amazon.com Customer Service. Do not call a number from a surprise text or email.
Common reasons you may see this charge
The most common source is an Amazon.com order. That can be a shipped item, a marketplace seller, or a delayed capture after an earlier purchase.
Digital billing is another frequent cause. Kindle books, rented movies, in-app content, Audible, Amazon Music, and similar buys may post under Amazon Digital Services.
Recurring plans can post the same way. Prime, Prime Video add-on channels, Kindle Unlimited, and other Amazon subscriptions typically renew until you cancel them. A household member may have started a trial on a shared login.
Subscribe & Save and other auto-ship plans can also surprise you. The amount may match a refill you forgot you approved.
A less common consumer case is Amazon Web Services. AWS bills businesses and developers. If you do not run cloud tools, that is usually not your first guess.
Refunds and adjustments can show the same address. A credit may look like a new “charge” until it posts in full.
How to verify the charge in your Amazon account
Log in at amazon.com on a browser you trust. Do not use a link from a text that claims your account is locked.
Open Your Orders and match the date and amount. Check recent orders, canceled orders, and digital orders. Marketplace purchases still bill through Amazon even when a third-party seller ships the item.
Then open Your Transactions. Amazon groups card activity there, including some items that are easy to miss in the main order list.
Next, open Memberships and Subscriptions. Look for Prime, video channels, Kindle Unlimited, music, software, and other auto-renew plans. Note the renewal date and the card on file.
If you share an account, ask everyone who uses it. A partner, child, or roommate may have rented a title or accepted a free trial.
Also search your email for Amazon order and receipt messages. Filter for the same date and amount. Keep the order number if you later need help.
Check every Amazon account tied to the card. People sometimes have an old login from a previous email address.
How to cancel an Amazon subscription
Cancel inside the same Amazon account that billed you. Amazon’s help pages send you to Memberships and Subscriptions to review and end most plans.
For Prime, Amazon also provides a dedicated cancel flow on its help site. Follow the prompts on amazon.com after you sign in. If you joined Prime through Google Play, Apple, or another company, you generally cancel with that company instead.
After you cancel, confirm the end date on the membership page. Some plans stay active until the current period ends. Others may end sooner, depending on the product terms.
Save a screenshot of the cancellation screen. That record helps if another charge posts later.
Refund rules vary by product. Amazon’s Prime terms say paid members who have not used benefits may qualify for a refund of the current period, processed in a few business days. Other digital plans follow their own terms. Do not assume a prorated refund.
What to do if you do not recognize the charge
Stay calm and work in order. First finish the Amazon account checks above. Many “mystery” charges are forgotten digital buys or household orders.
If the amount is missing from every Amazon account on that card, contact Amazon through the Customer Service page on amazon.com. You can request chat or a callback there. A widely published U.S. consumer number is 1-888-280-4331. Hours and routing can vary.
Ask Amazon to identify the order number, the email on the account, and whether a third-party seller was involved. If the charge is unauthorized, ask Amazon how to report it in your account.
Then call your card issuer. Say you may have an unrecognized Amazon-looking charge. Ask about a dispute or chargeback only after you have checked Amazon. Issuer timelines and documentation rules vary.
Watch for lookalike fraud. Scam texts may copy “440 Terry Ave N” or “Amazon Prime” and then ask you to call a new number. Hang up. Open amazon.com yourself.
If someone used your password, change it and turn on two-step verification. Review shipping addresses and saved cards. Remove a card you no longer want on file.
Similar addresses and lookalikes
410 Terry Ave N is the official Amazon.com, Inc. office address in company filings. You may see 410 or 440 depending on how the payment processor labeled the sale. Both generally point to the same Seattle campus.
AMAZON MARK, AMZN Mktp US, and AMAZON MKTPLACE PMTS are related Amazon purchase labels. They may or may not include the Terry Avenue street line.
A charge that uses only the street, with no Amazon wording, can still be Amazon. It can also be a copycat descriptor. That is why you match the amount in your account instead of trusting the address alone.
AWS, Whole Foods, Amazon pharmacy, and other Amazon businesses can bill under different names. If the amount does not match retail or digital activity, ask Amazon which business unit posted it.
FAQs About 440 Terry Ave N Charge on Credit Card
Q: Is a 440 Terry Ave N charge on credit card always from Amazon?
Usually, yes. Consumer reports and merchant listings most often map this Seattle address to Amazon.com or Amazon Digital Services. A charge can still be unauthorized even when the name looks real. Confirm it in your Amazon account and with your issuer.
Q: Why does Amazon use a street address instead of its brand name?
Banks have limited space on a statement line. Processors often send a legal name, a service name, and a city or street. Amazon’s South Lake Union campus includes 410 and 440 Terry Avenue North, so that street frequently prints. Your issuer may also add POS or CHECKCARD.
Q: How do I stop another 440 Terry Ave N charge?
Open Memberships and Subscriptions on amazon.com and cancel the plan you no longer want. Remove extra payment methods you do not use. Turn off Subscribe & Save if those shipments are the source. Then watch the next statement to confirm the renewal stopped.
Q: What if I never created an Amazon account?
Someone may have used your card on another account. A family member may have stored the card. Or the descriptor may be copied by fraud. Contact Amazon through amazon.com and your issuer the same day. Ask both to review the transaction details.
Conclusion
A 440 Terry Ave N charge on credit card typically belongs to Amazon billing from Seattle, not a storefront you walked into. Match the date and amount in Your Orders, Your Transactions, and Memberships and Subscriptions.
If the charge is a plan you no longer want, cancel it in that Amazon account. If it is missing from every related login, contact Amazon and your card issuer. Keep notes. You can resolve most of these lines without guessing.
Disclaimer: This article is for general information only. It is not financial, legal, or tax advice. Merchant descriptors, refund rules, and dispute rights vary by product, Amazon account, and card issuer. Verify any charge, cancellation, or claim with Amazon or your bank using your own statement details.
