"SP" on a credit card charge typically stands for "Service Provider." It is often used by banks or payment processors to indicate that the transaction was processed through a third-party service provider rather than directly with a merchant. For example, if you made a purchase through an online platform or mobile payment app, the charge might appear with "SP" followed by the provider's or merchant's name. This label helps identify how the transaction was processed sp+aff charge but can sometimes be confusing if the full merchant name isn't clearly listed.