What is “365 SOS” On Your Bank Account Statement? (2022)

If you see ‘365 SOS’ appear in your bank account transaction history, it is simply the result of a credit card purchase that you made from a self-service kiosk or vending machine, most likely provided in an office breakroom setting.

The ‘365’ part refers to 365 Retail Markets, which is the business behind the transaction.

They facilitate the ability for workplaces, such as WeWork and Regus, to run unmanned snack bars 24/7 for 365 days of the year using micromarket capability.

In other words, it enables you to purchase items by scanning their barcodes and swiping your credit card to make payments at the checkout without the assistance of a cashier.

Snacks range from your typical chocolate bars, chips, candy bars to coffee, salads, and sandwiches. The stocked items really depend on the office workplace within which the kiosk has been established.

Try to recall whether you did in fact make the purchase that would result in such a transaction, before disputing the credit card charge with your bank.

Otherwise, falsely disputing the charge could potentially land you in trouble.

Note that credit card charges that originate from 365 Retail Markets kiosks vary in the way they appear on your statement. Below are explanations that cover most, if not all, of these variations.

What is 365 SOS AUTO APRIVA?

The words ‘365 SOS AUTO APRIVA’ may appear as a charge on your credit card as a result of a purchase you made at a 365 Retail Markets kiosk.

You may also see other variations of this appear on your credit card statement, such as the following:

  • 365 SOS AUTO APRI TROY MI
  • 365 SOS AUTO APRIVA TROY MI
  • 365 SOS AUTO APRIVA TROY US
  • 365 SOS TROY MI
  • 365 SOS TROY US

The one which appears on your statement may depend on the state in which you made the purchase and potentially the version of the self-serve payments system installed at the kiosk.

Let’s break down each part:

  • 365: This refers to the company responsible for the self service technology, that is, 365 Retail Markets.
  • AUTO: This refers to the fact that the transaction was automated using the self service payment system.
  • APRI or APRIVA: Apriva is the payment gateway service that is being used by the merchant to facilitate self-serve payments and authorization of credit card purchases.
  • TROY MI or TROY US: This refers to the location of the headquarters of 365 Retail Markets, which is in Troy, Michigan.

What is 365 MARKET C 888?

If you see ‘365 MARKET C 888’ as a charge on your credit card, it is most likely due to a purchase that you made at a 365 Retail Markets kiosk.

This charge may appear in various forms, including the ones below:

  • 365 MARKET A 888
  • 365 MARKET B 888
  • 365 MARKET C 888 432
  • 365 MARKET C 888 365
  • 365 MARKET C 888 TROY MI
  • 365 MARKET D 888
  • 365 MARKET E 888
  • 365 MARKET F 888
  • 365 MARKET G 888
  • 365 MARKET H 888

If a particular MARKET letter variation appears on your credit card charge, it may be due to the installation version of the particular vending machine or kiosk from which you made your purchase.

Let’s break down the rest:

  • 365: This refers to the company responsible for setting up the unattended kiosk, that is, 365 Retail Markets.
  • 888: This refers to the prefix of the contact number for 365 Retail Markets, the likes of which are specified below.
  • 888 432: This is actually a phone number, the characters of which may not have completely fit on the credit card transaction line. The complete phone number is (888) 432-3299. It is an informational service for consumers who become suspicious upon seeing 365 Retail Markets’ name on their bank statement. The service explains who they are and why you are seeing credit card charges with their name.
  • 888 365: Similarly, this is also a phone number which may not have fit. The phone number is (888) 365-7382, which is the customer support line for 365 Retail Markets.

What is 365 ADM GMA OTI TROY?

The words ‘365 ADM GMA OTI TROY’ may appear as a charge on your credit card as a result of a purchase you made at a self serve vending machine.

You may also see other variations of this appear on your credit card statement, such as the following:

  • 365 ADM GMA OTI TROY MI
  • 365 ADM GMA OTI TROY MI 48084
  • 365 GMA OTI DB

The one which appears on your statement may potentially depend on the version of the self-serve payments system installed at the kiosk from which you made the purchase.

Similarly to the above example, the “TROY MI” part refers Troy, Michigan which is the location of the headquarters of 365 Retail Markets. The 48084 part is the associated zip code.

What is ADM GMA OTI?

Let’s break down exactly what ADM GMA OTI means:

  • ADM: Merchants have the ability to add kiosk products as well as kiosk locations to their database using an administration 365 Retail Markets account. The ADM is simply a reference to this admin account.
  • GMA: This stands for Global Market Accounts, which is an accounts system that provides merchants the ability to offer their consumers different features and services on a single account that they can use on any 365 Retail Markets GMA system statewide.
  • OTI: This stands for On Track Innovations, which is the company that provides the capability for the kiosk to receive cashless payments using NFC (Near Field Communication) technology.

Why am I seeing large charges for my 365 Retail Markets purchases?

The reason for relatively large charges to snack sized items is perhaps due to either of the following:

  1. You may have purchased several items on separate occasions when the kiosk may have perhaps been offline. Once online, it may have batched all your purchases into one credit card charge.
  2. You may have used the 365Pay mobile app or navigated online to mymarketaccount.net and opted for the auto-funding feature, which allowed you to purchase cash credits in anticipation of future purchases. Perhaps a somewhat large amount was used to top up your credit.

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