Why does the label HPY*VAULTMANUAL appear on your bank statement?

If you've noticed a debit line showing HPY*VAULTMANUAL or XP*VAULTMANUAL.COM on your bank statement, it's natural to have questions. This kind of label can seem odd, especially if you don't remember making such a purchase.

What is Vaultmanual?

Vaultmanual is an online service related to the sale of digital manuals, guides, or subscriptions to technical content. Prefixes like "HPY" or "XP" are often used by payment processors to identify the type or source of the transaction.

Common associated payment labels

  • HPY*VAULTMANUAL
  • XP*VAULTMANUAL.COM

These labels may vary slightly depending on the country, the type of card used, or the payment provider, but they all refer to the same business entity.

Is this a purchase you authorized?

Before suspecting fraud, here are a few questions to ask yourself:

  • Have you recently purchased a manual or digital guide online?
  • Did you start a free trial that turned into a paid subscription?
  • Could someone else in your household have made this purchase?

If you answered yes to any of these questions, the charge is authorized.