What is the “Xotic AI” charge on your card?
The short answer
'Xotic AI' is Xotic AI (xotic.ai), an uncensored AI companion app with image and 4K video generation, billed by Xotic Tech OU of Tallinn, Estonia.
Watch the promo math: its steep sign-up discounts (44–72% off) renew at the plan's standard rate, so a bigger-than-remembered charge is usually the post-promo renewal.
✓ Verified first-hand: Verified first-hand on Xotic AI's site: charges show as 'Xotic AI', billed by Xotic Tech OU (Estonia).
Also appears as: XOTIC AI · XOTIC · XOTIC TECH
The app behind this charge
Xotic AI
3.6Operator: Xotic Tech OU (Tallinn, Estonia)
How to stop the charge
- Cancel auto-renew in your xotic.ai account settings; access runs to the end of the paid term.
- Don't prepay the annual plan unless you're sure — see the refund reality below.
- Never signed up? Dispute with your bank citing 'Xotic AI' / Xotic Tech OU.
Refund reality
Verified from Xotic's Estonia-governed terms: NO refunds — subscription fees and unused 'XOT' tokens are final even if you cancel early. Cancelling protects future cycles only.
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.