What is the “SWIPEY AI NICOSIA” charge on your card?
The short answer
A charge with this descriptor is almost certainly from Swipey (swipey.ai), a swipe-to-match AI girlfriend app. It bills from Nicosia, Cyprus, and the company behind it is not disclosed on its website — which is exactly why the statement line looks unfamiliar.
Our Swipey review documents recurring billing complaints: auto-renew charges for unused months and a low Trustpilot average (~2.6) driven largely by billing issues. If this charge surprised you, you are not the first.
Source: Swipey does not disclose its operator or descriptor publicly, and we haven't seen its checkout first-hand — this mapping reflects what cardholders consistently report. Nicosia, Cyprus is a common billing base for AI companion apps.
Also appears as: SWIPEY AI · SWIPEY.AI NICOSIA CYP · SWIPEY AI * NICOSIA
The app behind this charge
Swipey
3.4Operator: Undisclosed operator billing from Nicosia, Cyprus
How to stop the charge
- Log in at swipey.ai → account settings → cancel the subscription AND switch off auto-renew (they are separate toggles on many apps).
- Screenshot the cancellation confirmation — with an undisclosed operator, your screenshot is your receipt.
- If charges continue after cancelling, or you never signed up at all, dispute the charge with your bank citing the exact descriptor — and ask the bank to block the merchant.
Refund reality
Swipey publishes no clear refund policy that we could verify, and refunds are the most common complaint theme in its reviews. Realistically: cancel to stop future charges, and use a bank dispute for charges you believe are wrongful — don't count on goodwill refunds.
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.