You saw “PSV* BH-PUB.COM” or “PSV* BANYAN HILL” on your credit card statement and a phone number next to it — usually 866-584-4096. That charge is a subscription or auto-renewal for a Banyan Hill Publishing financial newsletter. Banyan Hill is a Baltimore-based publisher in The Agora Companies network, operated by Sovereign Offshore Services, LLC and headquartered at 702 Cathedral Street, Baltimore, MD 21201. The “PSV*” prefix is Banyan Hill’s billing descriptor, and the publisher’s own Help Center has a dedicated FAQ page titled “What is the PSV charge on my credit card statement?” confirming the descriptor maps to them.

The charge might also appear as “PSV* BH-PUB.COM” (the format Banyan Hill names on its own decode page), “PSV* BANYAN HILL,” or “PSV* [Product Name]” — for example, “PSV* STRATEGIC FORTUNES” or “PSV* EXTREME FORTUNES.” These are all the same publisher. If the descriptor shows a different brand — “SR* STANSBERRY RESEARCH” or “PSV* PARADIGM PRESS” — that is a sister publisher under a different billing entity, and you want the Stansberry charge decode or the Paradigm Press charge decode instead.

If you do not recognize the charge at all, skip to “What If You Don’t Recognize the Charge” below. Banyan Hill does not bill people who have not subscribed, but shared cards, family members, and free-trial-to-paid conversions are common explanations.

What Products the PSV* Banyan Hill Charge Covers

Banyan Hill publishes a range of paid investment newsletters. The PSV* descriptor covers all of them. The most commonly billed products include:

  • Strategic Fortunes (Ian King, flagship; $47 promo first year, full price renewal)
  • Extreme Fortunes (Ian King, back-end small-cap service)
  • True Momentum (Ian King; mid-cap — service consolidated into Extreme Fortunes, a documented dispute source)
  • Total Wealth Fellowship (membership bundle tier)
  • Market Rebel Report, Next Wave Crypto Fortunes, TRADEMONSTER.ai Alerts
  • Green Zone Fortunes and 10X Stocks (Adam O’Dell)
  • Tim Sykes Weekend Trader / XGPT Trader (Tim Sykes branded, billed under Banyan Hill)

The charge amount depends on which product you subscribed to. Entry-level front-ends like Strategic Fortunes and Green Zone Fortunes typically bill at $47-$79 for the first year and auto-renew at full list price. Higher-tier back-ends like Extreme Fortunes and Total Wealth Fellowship bill at full price. If you are seeing a $199 or higher charge and originally paid $49, that is the standard renewal after the promotional first year.

The Charge Descriptor Decoded

Banyan Hill uses the “PSV*” prefix as its billing descriptor. Here is what each variation means:

  • PSV BH-PUB.COM* — the standard descriptor format named on Banyan Hill’s own decode page (verified July 19, 2026). “BH-PUB” is Banyan Hill Publishing. The phone number 866-584-4096 follows it on most statements.
  • PSV BANYAN HILL* — the same charge, with the publisher name spelled out.
  • PSV [Product Name]* — many charges append the specific product. “PSV* STRATEGIC FORTUNES,” “PSV* EXTREME FORTUNES,” “PSV* MARKET REBEL REPORT,” “PSV* TOTAL WEALTH FELLOWSHIP,” and “PSV* TRADEMONSTER.AI ALERTS” are all Banyan Hill charges for specific newsletters. Banyan Hill hosts individual decode pages for each.
  • PSV [truncated]* — card processors truncate long descriptors. “PSV* BANYAN H” or “PSV* STRATEGIC FO” is the same charge.

All of these map to the same company at 702 Cathedral Street, Baltimore, MD 21201. The “PSV” prefix is shared across the broader Agora publishing family — Stansberry Research has historically used PSV* alongside its current SR* format, and Paradigm Press uses PSV* as its standard descriptor. “PSV” stands for “publishing services,” confirmed by sister imprint The Oxford Club on its own descriptor-explanation pages. If you are uncertain which publisher billed you, the phone number and the product name on the descriptor are the fastest disambiguators.

How to Cancel the Subscription

Banyan Hill offers two cancellation methods: online self-service and phone. The Terms (verified July 19, 2026) state that to cancel or change subscription billing, log into your account or contact Customer Support at 866-584-4096.

Method 1: Cancel Online (Fastest)

  1. Go to banyanhill.com/customer-self-service and log in to your account.
  2. Navigate to your account or subscription settings.
  3. Follow the cancellation instructions to turn off auto-renewal.
  4. You retain access through the end of the subscription period you have already paid for. The subscription simply does not renew.

Banyan Hill’s Terms state that auto-renewal customers are charged unless canceled at least 48 hours before the next billing date. Cancel inside that window and the next charge may still process.

Method 2: Cancel by Phone

  1. Call 1-866-584-4096 (toll-free, U.S.). International: +1-443-353-4446.
  2. Hours: Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time (per the FAQ page). The Contact Us page lists 8:00 a.m. to 6:00 p.m. — call before 6 p.m. to be safe, as the shorter window is the one currently displayed on the contact page (verified July 19, 2026).
  3. Have your account email or order number ready.
  4. Ask the representative to cancel your subscription and turn off auto-renewal. Confirm whether you are within any refund window that applies to your product.

Banyan Hill states on their Contact Us page (verified July 19, 2026) that the estimated call wait time is under one minute.

Method 3: Cancel by Email or Contact Form

Email info@banyanhill.com or use the contact form at banyanhill.com/contact-us. Note: Banyan Hill’s FAQ states that info@banyanhill.com is configured to send only and cannot receive replies — so the contact form is the better written channel. Form submissions are slower than the portal or phone, but they create a written record of your cancellation request, which matters if there is a dispute about timing.

The Refund Fine Print

Banyan Hill’s refund policy is stricter than some of its Agora-family peers, and the distinction between the marketing presentation and the order form terms is where most disputes happen. The Terms (Section 10, verified July 19, 2026) state the policy directly.

The Default: Non-Refundable

Banyan Hill’s Terms state: “Subscription payments are non-refundable and all sales are final unless otherwise indicated.” If your order form did not specify a refund window, the subscription is non-refundable, and cancellation only stops future auto-renewals. You keep access through the term you paid for.

When a Refund Window Exists

The Terms continue: “In the event we offer a refund, you may elect to receive your refund in the form of cash within the stated refund period. If a refund request is made after the expiration of the stated refund period, we reserve the right to issue the refund in the form of credits to your customer account.”

Some products carry a refund window — typically 30 to 90 days from purchase, product-specific, and stated on the order form, not in the marketing video. Banyan Hill’s BBB responses reference “a full one-year money-back guarantee” on at least one lifetime offer, so windows vary widely. If you miss the window, Banyan Hill’s default offer is account credit toward other Banyan Hill products, not cash. Any unapplied credits expire after one year.

The Marketing-vs-Order-Form Gap

This is the most-documented complaint pattern against Banyan Hill. BBB records (verified July 19, 2026) contain a case where a subscriber paid $995 for a service marketed with “a fool-proof indicator of the market” and “double and triple digit winners,” then found the performance did not match. The subscriber was told the service was “non-refundable,” was later promised a refund by phone, and was then told a refund was not possible. This is the classic pattern: a refund promise made verbally, then denied at the customer service desk because the order form terms did not include it.

Banyan Hill’s position, stated in BBB responses, is that the order form terms govern. BBB records also show Banyan Hill has issued full cash refunds in a meaningful share of escalated complaints, particularly when the subscriber documented the verbal refund promise and pressed the point, or canceled the same day as the charge. A $79 subscriber who canceled the same day as the charge was refunded the next day, with Banyan Hill confirming a 7-business-day processing window tied to the card provider.

The 2-Year Resubscribe Trap

Banyan Hill’s Terms include a clause worth knowing: “Customers who elect a refund under any money-back guarantee and then resubscribe to the same product or service within a two-year period will not be entitled to any applicable money-back guarantee.” If you took a refund on a product and buy it again inside two years, the guarantee is gone.

Auto-Renewal Refunds

If your charge is an auto-renewal and you missed it, Banyan Hill’s Terms require cancellation at least 48 hours before the next billing date to avoid the charge. There is no stated post-charge grace period. In practice, BBB records show subscribers who call within a few days of an auto-renewal are sometimes accommodated — one BBB response confirms “I’ve cancelled the renewal and refunded the card. Please allow up to 7 business days.” The further out from the charge date, the less likely a cash refund becomes.

Lifetime Subscriptions: The 3-Year Minimum

Banyan Hill’s Terms (Section 10, verified July 19, 2026) address lifetime subscriptions directly: “When you purchase a lifetime subscription to one of our services, you are purchasing it for the life of the product (assuming any applicable maintenance fees are paid). We commit to fulfill that product for a minimum of 3 years. If the product closes before a minimum of 3 years’ time, we commit to fulfilling a similar service for the remainder of the applicable 3-year period.”

“Lifetime” means the lifetime of the product, not your lifetime. If the product shuts down, you get a “similar service” — not a refund and not necessarily the service you bought. This is not hypothetical for Banyan Hill: BBB records document a True Momentum lifetime subscriber whose service was consolidated into Extreme Fortunes after editor Paul Mampilly’s departure, with Banyan Hill refusing a refund and reportedly telling the subscriber lifetime memberships are treated as 5-year terms internally. The Agora family has a documented history of publisher wind-downs (Legacy Research 2024, Money Map Press 2024, Manward Press 2025) where lifetime subscribers received credits or migrations, not cash.

The Auto-Renew Trap to Watch For

Banyan Hill subscriptions auto-renew by default. When you buy a $49 or $79 first-year subscription, the order form discloses that it will automatically renew at the full list price until you cancel. The renewal charge is what most people see on their statement and do not recognize — a year has passed and they forgot the auto-renew was coming.

The 48-hour rule is the key detail. Cancel at least 48 hours before the next billing date or the charge may still process, putting you in the position of requesting a refund rather than preventing the charge.

The fix: turn off auto-renew in your account settings at banyanhill.com/customer-self-service immediately after subscribing, or calendar the renewal date a week in advance. Card networks may automatically update your card details through account updater services, meaning a new card number will not stop the charge — only a cancellation will.

Confirmation Checklist

After cancelling, verify each of these:

  1. You received a cancellation confirmation email from Banyan Hill. If not within 24 hours, call 866-584-4096.
  2. Your account page at banyanhill.com/customer-self-service shows the subscription as canceled or auto-renew turned off.
  3. Auto-renew is off for all products in your account, including any bundled with the one you intended to cancel. Banyan Hill sometimes bundles products, and canceling one may leave others active.
  4. Check your credit card statement the following month. No new PSV* charges should appear. If one does, call immediately.
  5. If you were promised a refund, confirm the amount, the form (cash or credit), and the timeline. Cash refunds process back to your original payment method, typically in 7 business days per Banyan Hill’s BBB responses. Credits apply to your account for use toward other Banyan Hill products and expire after one year.

What If the Charge Is Not Yours

If you have never subscribed to any Banyan Hill product and the charge is unfamiliar, contact Customer Service at 866-584-4096 or use the contact form at banyanhill.com/contact-us. Common explanations include a family member who used a shared card, a free trial that converted to paid, or a subscription purchased under a different email address.

Banyan Hill’s Terms state that initiating a chargeback without first contacting customer service can result in account termination. If you have contacted them and the issue is unresolved, a chargeback through your card issuer is the escalation path. Try the publisher first — their phone line is staffed and BBB records show they resolve a meaningful share of billing complaints when the subscriber calls directly.

When a Chargeback Makes Sense

A chargeback is the last resort. Use it only if:

  • You contacted Banyan Hill by phone and the contact form and received no response within a reasonable timeframe.
  • The charge is clearly fraudulent (you have no account and never subscribed).
  • You cancelled within a refund window stated on your order form and were denied a refund you are owed.
  • You have written evidence of a refund promise that customer service refuses to honor.

Filing a chargeback without first contacting the publisher will likely result in Banyan Hill disputing it, and their order-form records are thorough. If you have the cancellation confirmation and any refund promise in writing, your card issuer will have what it needs to side with you.

Contact Reference

All contact information verified July 19, 2026 against banyanhill.com/contact-us, banyanhill.com/disclaimer, banyanhill.com/faq/more-contact-us-information, and banyanhill.com/psv-charge-credit-card-statement.

MethodDetails
Phone (U.S.)1-866-584-4096
Phone (International)+1-443-353-4446
HoursMonday-Friday, 8 a.m.-8 p.m. Eastern Time (FAQ); Contact page lists 8 a.m.-6 p.m.
Email (send-only)info@banyanhill.com (cannot receive replies)
Online Portalbanyanhill.com/customer-self-service
Contact Formbanyanhill.com/contact-us
MailBanyan Hill, 702 Cathedral Street, Baltimore, MD 21201
Payments MailingP.O. Box 925, Frederick, MD 21705
Legal EntitySovereign Offshore Services, LLC

Flack Jacket Finance is an independent publisher and is not affiliated with Banyan Hill Publishing or Sovereign Offshore Services, LLC. We may earn affiliate commissions from links on this site. This page was last verified July 19, 2026. Publisher phone numbers, portal paths, and refund policies change — always confirm directly with the publisher before acting.

See the guides index for more publisher and thesis explainers.