Ar3 llc Charge on credit card and debit card Explained

Have you got a charge from ar3 llc on your credit card or debit card? Are you wondering how the hell it came about? This article shed a light on What ar3 llc is, why you’ve a charge from them, and what to do about the charge.

What is AR3 LLC?

There are two companies that use ‘AR3 LLC’ as their payment alias. The first one is a local small business in South Carolina. However, they only accept cash or check only and do not have the ability to draft from an account or accept card payments. 

The second company that bears ‘ar3 llc’ is Zip/Quadpay. They’re also known as “AR3, LLC QUA”. Zip is a payment method that automatically splits your purchase amount (including taxes and fees) into easy payments, allowing you to buy the products you need now, and pay over time.

The full alias on bank statement is “AR3 LLC – QUA” which is short for “QUADPAY” which is what Zip was called before Zip. This charge can also appear as; AR3 LLC QUADPAY, ar3 llc ny, ar3 llc fanatics, ar3 llc bestbuy, etc.

Why are You Being Charged by AR3 LLC?

The first reason is this; Because you bought a product using Zip payment method which automatically splits your purchase amount into small amounts over time.

On the other hand, the second reason is most likely your card has been compromised. In this scenario, you have a Ar3 llc charge but you have never used Zip payment method.

What To Do If You’re a Victim of Credit Card Fraud:

Inform Your Credit Card Issuer

Immediately contact your bank and inform them of the fraudulent transaction. You could do this by either reporting the fraud in their app or on their website. If fraud is confirmed, the issuer will likely cancel that card and issue you a new one with different numbers.

Update Your Passwords and Enable Two Factor Authentication

The second step you should take is updating your passwords. Make sure you check all of your other credit card accounts to see if they’ve also been compromised. It’s important to note that, even though only one card may have suspicious charges, you can’t be sure how the fraudster got the information. So make sure you change all of your passwords and PINs just to be safe.

Report the Fraud To Relevant Authorities

Report the scam to relevant authorities and organizations. This includes:

  • Internet Crime Complaint Center (IC3): If you are in the United States, you can file a complaint with the IC3 at
  • Your Local Consumer Protection Agency: Contact your local consumer protection agency or the equivalent regulatory body in your country.
  • Better Business Bureau (BBB): File a complaint with the BBB if the online store is based in the United States.

Tips on How To Prevent Credit Card Fraud

  1. Always Use Secure Websites. Whenever you’re entering your credit card info online, look for “https://” in the web address. The “s” means it’s a secure site.
  2. Stay Alert from Phishing: Don’t Click on Links in Suspicious emails.
  3. Keep your PIN and passwords super secret. If you must share them, change them after the person is done using them.
  4. Be careful with public Wi-Fi when making online purchases or bank transactions. It’s safer to use a secure network.
  5. After shopping or banking online, make sure to clear your browser’s cache. It helps keep your info safe.
  6. Sign up for fraud alerts with your credit card company or bank. They’ll notify you if something fishy happens with your account.
  7. Before tossing important papers, like bank statements, shred them or burn them to protect your info.
  8. If you notice your card missing, tell your bank or creditor ASAP. They can help secure your account.


If you’ve a ar3 llc charge on your bank statement, it means you used Zip payment method to purchase something online or your credit or debit card has been compromised by cybercriminals.

If the latter is the case, you should contact your credit card issuer immediately and report the fraudulent transaction.

Credit card fraud or credit card scam is when someone steals or uses someone else’s credit card to buy things or make payments without permission from the card owner. A fraudster might trick the cardholder into agreeing to a payment by lying or exploiting their lack of knowledge. Sometimes, the card can be stolen, lost, or copied, and then used by fraudsters. So, if your card is lost, it’s important to tell the bank to block it to prevent unauthorized use.

See Also – Charge on Credit Card

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