Is XO Cafe fraud?

This article and service are not officially affiliated with XO Espresso Bar

The Guide to Understanding Why You Were Charged By “XO Cafe” and What To Do About It (xoespressobar.com)

Bella Khan, Subscription Cancellation Expert

Published January 31, 2026

Last updated January 31, 2026

1 min read

What is "XO Cafe"?

XO Espresso Bar is a cozy coffee spot that offers delicious coffee and espresso drinks, along with tasty treats. They also provide a subscription service that lets you enjoy fresh coffee regularly without the hassle of reordering every time. If you see a charge from them, it's likely for a coffee subscription or a recent order you placed.

XO Cafe: The name of the coffee shop or restaurant where the transaction took place.
Transaction: Refers to the act of buying something, in this case, items from XO Cafe.
Purchase Amount: The total cost of what you bought at the cafe, usually shown near the transaction.
Location: This indicates where the cafe is located, which can sometimes appear in the descriptor for context.
Date and Time: The specific date and time when the purchase was made, helping you remember when you visited.
Card Type: Often there will be an indication of which type of payment card was used (like credit or debit), giving clarity on how you paid.
Masked Card Number: A partially hidden number of your payment card is shown for security purposes, helping to protect your personal information.

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 XO Espresso Bar?

Subscription Services: Some customers may sign up for a subscription that automatically charges them on a recurring basis for coffee or related products.
One-Time Purchases: Charges can occur for single transactions made online or at the physical location, including drinks, merchandise, or food items.
Membership Fees: Users may pay a fee for premium memberships that offer discounts or exclusive products.
Online Orders: Orders made through the website might result in charges for beverage deliveries or pick-up orders.
Account Management: Changes made to user accounts, such as adding payment methods or updating subscriptions, may inadvertently trigger charges.
Promotional Offers: Activation of promotions that require upfront payment may also lead to unexpected charges.
Service Fees: Additional fees could be applied for delivery or special events hosted at the café.
Gifts or Gift Cards: If a user purchases a gift card or product as a gift, they will see a charge corresponding to that purchase.

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 xoespressobar.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 xoespressobar.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 xoespressobar.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.

XO Espresso Bar Customer Service Info

If you need assistance, here's how you can get in touch with XO Espresso Bar's support team.

Phone

The phone is not available.

support@xoespressobar.com

Site

https://xoespressobar.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 XO Espresso Bar show up?

XO ESPRESSO XOESPRESSO BAR XOE BAR XO ESPRESSO COFFEE XO COFFEE SHOP XOE CAFE XOE BAR-COFFEE XO SHOPPING XOE BAKERY XO ESPRESSO*

The Easiest Way to Cancel XO Espresso Bar

If you're frustrated trying to cancel your subscription, membership, or bill from XO Espresso Bar—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.