Is L.O.Y. Payment fraud?

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The Guide to Understanding Why You Were Charged By “L.O.Y. Payment” and What To Do About It (latteonyourway.com)

Bella Khan, Subscription Cancellation Expert

Published February 1, 2026

Last updated February 1, 2026

1 min read

What is "L.O.Y. Payment"?

Latte On Your Way is a subscription service that delivers delicious coffee right to your door, perfect for busy mornings or lazy weekends. They offer simple monthly plans so you can enjoy your favorite brews without any hassle. If you've seen a charge from them, it's likely for your coffee subscription that keeps your caffeine fix coming without you needing to order each time.

L.O.Y.: This typically stands for "Loyalty," which may indicate that the payment is connected to a rewards program or loyalty card related to the merchant.
Payment: This simply refers to a financial transaction where money is exchanged for goods or services. It indicates that the amount shown is what was paid.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.

Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.

Why do people get charges like this from Latte On Your Way?

Subscription Services: Customers may sign up for recurring coffee subscription plans, leading to automatic monthly charges.
One-Time Purchases: Users might see charges for individual coffee orders or related merchandise purchased via the website.
Delivery Fees: Charges could include additional fees for delivery services provided by the company.
Promotional Offers: Some users report being charged for promotional offers that require a credit card for initial signup.
Account Fees: Charges related to premium account features, if applicable, might be a reason for unexpected transactions.
Inactivity Fees: Certain users mentioned possible inactivity fees for accounts that are not used over a specific period.
Tip Options: Charges may also include optional tips added to orders at checkout.

If I see this charge, what should I do?

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the latteonyourway.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the latteonyourway.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with latteonyourway.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

Latte On Your Way Customer Service Info

If you need assistance, here's how you can get in touch with Latte On Your Way's support team.

Phone

The phone is not available.

support@latteonyourway.com

Site

https://latteonyourway.com/contact

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

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What other ways do charges from Latte On Your Way show up?

LATTEONYOURWAY LOYALTY LATTE LOYALTY REWARDS LATTE COFFEE LATTE ON YOUR WAY LOYALTY PROGRAM LATTE LATTE ON THE GO LATTE CAFÉ LOYALTY LATTE PURCHASE LATTE SUBSCRIPTION LATTE TO GO

The Easiest Way to Cancel Latte On Your Way

If you're frustrated trying to cancel your subscription, membership, or bill from Latte On Your Way—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.