Premium Payments

Financial Services86% confidence

Premium Payments is a U.S.-based payment processor that provides electronic check, ACH, and card payment solutions for businesses, enabling them to collect remote and recurring payments from customers.

Miami, Florida, United States
premiumpymts.com
Owned by Super Systems Inc.

About Premium Payments

Premium Payments is a financial technology company and payment processor that offers cloud-based tools for businesses to accept and verify payments via electronic checks, ACH debits, and credit or debit cards. The platform is designed for remote and recurring payments, with industry-specific products such as Premium AutoPay, Premium Home Pay, and Premium Insure Pay that target sectors like auto finance, property management, and insurance. Their services emphasize secure, encrypted processing, real-time verification of check history, and tools like invoicing and vendor pay features to streamline receivables and payouts for merchants.([premiumpymts.com](https://premiumpymts.com/?utm_source=openai))

On a bank or card statement, a line such as "Direct Debit 610095 Premium Payments REF0815215" typically indicates an ACH or direct-debit transaction that has been processed through Premium Payments on behalf of another business (for example, an insurance company, property manager, auto lender, or other biller that uses Premium Payments as its gateway). The "610095" and "REF" portions usually function as internal routing, merchant, or reference identifiers rather than product names, while the actual underlying merchant may be the company you pay monthly (rent, insurance premiums, loan, etc.).

If you have questions about such a charge, the first step is to match the amount and date to any expected bill (e.g., rent, insurance premium, car payment) and check emails, invoices, or online portals from that biller for references to Premium Payments or e-check/ACH payment processing. Because Premium Payments is a processor, they may not have full visibility into your contract or policy details; you’ll generally get the fastest resolution by contacting the underlying merchant listed on your bill, then referencing the date, amount, and any reference number (such as REF0815215). If that fails, you can reach out to Premium Payments via their website contact details or phone support, and, as a last resort, dispute the transaction with your bank while they trace the originating company through ACH records.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Premium Payments.

  1. Direct Debit 610095 Premium Payments REF0815215

Frequently Asked Questions

Why do I see a charge labeled "Direct Debit ... Premium Payments" on my bank statement?

This descriptor indicates that a payment was processed through Premium Payments’ platform, usually as an electronic check or ACH debit for a bill such as rent, insurance, an auto loan, or other recurring service. Premium Payments is the payment processor; the actual business you’re paying is typically the landlord, lender, or service provider that set up your direct debit. Match the charge amount and date to your regular bills to identify which merchant used Premium Payments for collection.

How can I tell which business used Premium Payments to collect this debit?

Start by comparing the transaction amount and date with expected bills (rent, insurance premium, car payment, etc.). Then review your invoices or online account portals for those services—many will mention Premium Payments, Premium AutoPay, Premium Home Pay, or Premium Insure Pay as the payment method. If still unsure, ask your bank for the ACH originator name and ID for the transaction and share those details with the billers you work with; they can confirm whether they use Premium Payments.

Is "Premium Payments" itself a subscription I signed up for?

In most cases, Premium Payments is not the end service you subscribed to but the processor handling payments on behalf of another company. The recurring nature of the charge (e.g., monthly or biweekly) usually corresponds to your agreement with a landlord, auto finance company, insurance carrier, or similar provider that has integrated Premium Payments into its billing system, rather than a direct subscription to Premium Payments itself.

How do I cancel or change a recurring debit that runs through Premium Payments?

To stop or modify recurring debits processed by Premium Payments, you should contact the underlying company that enrolled you in automatic payments—such as your property manager, lender, or insurance agency. Ask them to cancel or update your auto-pay settings and request written or email confirmation. You can also notify your bank in writing to revoke authorization for future ACH debits from that merchant, but changing it at the biller’s side helps prevent missed payments or late fees.

Can I get a refund for a Premium Payments transaction if I was charged incorrectly?

Refunds must generally be authorized by the underlying merchant, not by Premium Payments alone. If you were charged the wrong amount, charged twice, or charged after cancellation, contact the business that billed you and request a correction or refund, providing the date, amount, and any reference number shown on your statement. If they do not resolve it promptly, you can ask your bank to initiate an ACH dispute or card chargeback while the transaction is traced through Premium Payments’ network.

Why is there a reference number like "REF0815215" in the Premium Payments descriptor?

The reference code (such as REF0815215) is an internal tracking or transaction ID used by the biller and/or Premium Payments to identify the specific debit. It helps support teams locate your transaction in their system. When you contact your biller or bank about the charge, include this reference along with the amount and date so they can quickly pull up the associated payment record.

Does Premium Payments place temporary authorization holds or small test debits?

Some merchants using Premium Payments’ tools may initiate small test transactions or pre-authorizations when validating a bank account or setting up a new payment method, especially if they are using electronic checks or ACH verification. These test amounts are usually low and either reversed or credited back. If you see an unexpected small debit, check any recent account setup or auto-pay enrollment emails from your billers and contact them to confirm its purpose.

How can I contact Premium Payments if I still can’t identify the charge?

If your billers and bank cannot clearly identify the originating merchant, you can reach out to Premium Payments through the contact information on premiumpymts.com, providing the transaction date, amount, and full descriptor string (including any reference numbers). They may be able to indicate which client account initiated the debit, after which you should work directly with that business to resolve any billing issues.

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