I just caution you to make sure you didnt buy something before you start yelliing unauthoirzed charges because it is fraud on the consumers side to dispute charges they legitamately made and becuase it is jsut not right to do that to people with small business. I am thankful he replaced the payment but he sent me the link to this article as his reason behind what he did. So, these are some of the ways how you may encounter the number 40 on your card statement. I am one of those Mom and Pop business and recently had a customer do this assumihng FRAUD when he had already received his service and he read this thread which prompted him to file a unauthorized charge on a charge of nearly $300 for services he already received. If that is the case, then when you spend with your credit card, the number 40 may appear on your card statement because technically, PayPal is the biller of the payment. When you jump the gun you are costing the merchant time and a $20 charge back fee through the paypal account, and many merchants that use paypal to process their cards are mom and pop fmaily business that you are causing a hardship for because you cant recall making the purchase or didnt take the time to check the charge. There is no corresponding notation in my PayPal on-line records. Before you go filing unauthorized charges you need to see if you maybe bought something from that merchant with that coresponding amount and not automatically go charging back merchant just in case. A charge for 12.73 has appeared on my bank statement citing 'PayPal Igottrade 40 /VISA Purchase (non-pin) as the payee. Now if you choose to log into your paypal account and then pay with one of your set u methood of payments like banjk acocunt or a credit or debit card of your choice. Now, all that said, if you don’t have a Paypal account, or have not used it during the time that the transaction occurred, or otherwise don’t remember a purchase that correlates to that entry on your bank statement, by all means you should contact your bank, as it’s still entirely possible that it is fraudulant.First off you need to know if you check out at a merchants and manually enter your credt card number it will not show up in your paypal account, becuase paypal is just the merchants processor in this case and it is not a paypal account transaction, just like if the merchant was using bank of america or well fargo or square up to process their credit card payment. But that’s what that charge with the phone number 40 is. We agree that they do a poor job of making that clear (and to be fair, it may be out of their hands in terms of how it shows up on your statement). It is Paypal using your backup billing method to cover the shortfall because you dont’ have enough in your Paypal account. Remember way back when, when you signed up for Paypal, and you had to provide a bank account or credit card as a backup billing method? That’s what that charge is. This is how it appears on your bank statement or credit card transactions when you pay for something via Paypal, or something is otherwise charged to your Paypal account (such as through an automatic transaction, or using your Paypal debit card, for example), and you don’t actually have enough in your Paypal account to cover the charge. The phone number is a PayPal phone number. Wasn't a fraudulent charge for me - but I did double check with PayPal. If you have been reviewing your bank records or credit card statement, and have found what you believe to be an unauthorized charge or charges that shows “Paypal” and the phone number 40, take a deep breath, and relax. all of these transactions from the number 40 i have figured out are all from eBay when you buy something from there the money does not immediatley leave your account.