What is the “joi.com” charge on your card?
The short answer
'joi.com' on a statement is Joi AI, an AI companion app with image and video generation, operated by Lanoto Solutions Inc. of New York. The descriptor is the domain, with no adult wording.
Joi's headline deal is an annual plan (~$47.99/yr, often discounted further) — so the charge people forget about is usually the 12-month auto-renewal, a year after a cheap sign-up.
✓ Verified first-hand: Verified first-hand: Joi's site states there is 'no adult transaction in your bank statement' — the descriptor is simply 'joi.com'. The app lives at joi.com (not joi.ai), run by Lanoto Solutions.
Also appears as: JOI.COM · JOI COM · LANOTO
The app behind this charge
Joi AI
3.8Operator: Lanoto Solutions Inc. (New York)
How to stop the charge
- Log in at joi.com → settings → cancel / switch off auto-renew before the annual term renews.
- Note the renewal date when you subscribe — a calendar reminder a week before beats a dispute a year later.
- Unrecognized and never signed up? Dispute with your bank citing 'joi.com'.
Refund reality
Joi advertises cancel-anytime but publishes no clear refund window. Stopping auto-renew is straightforward; recovering a just-billed annual renewal means asking support quickly and hoping — the reliable move is cancelling ahead of time.
Didn't sign up for anything?
First check whether someone in your household did — discreet descriptors exist precisely so subscriptions aren't obvious on a shared statement. If you're confident nobody did, treat it as an unauthorized charge: dispute it with your bank citing the exact descriptor, ask them to block the merchant, and replace the card if you don't recognize how it was obtained.
Descriptors confuse because app names, company names, and billing entities rarely match — our ownership map shows who actually runs which apps, and the real-cost table decodes what each one genuinely charges.