You’re scrolling through your banking app, maybe checking if that paycheck cleared or seeing how much you blew on takeout this week, and then you see it. 365 Market FP Troy MI.
Wait, what?
You haven't been to Troy, Michigan. Heck, maybe you’ve never even stepped foot in Michigan. Your first instinct is probably to panic—"I've been hacked" or "Someone’s got my card info." It’s a reasonable reaction. We live in an era where digital pickpockets are everywhere. But before you call the bank to freeze your card and go into full-blown identity theft mode, let's take a breath.
Honestly, this is one of the most common "phantom" charges people see. It’s not a scam. It’s not a hacker in a hoodie. It’s basically just a naming quirk of modern vending technology.
What exactly is 365 Market FP?
The "365" doesn't refer to the 365 days in a year, and the "Troy MI" part doesn't necessarily mean the transaction happened in Michigan.
365 Retail Markets is a massive company headquartered at 1743 Maplelawn Drive in Troy, Michigan. They are the global leaders in what the industry calls "unattended retail." You’ve seen their stuff everywhere even if you didn't realize it.
Ever been in a modern office breakroom where instead of a dusty old vending machine with a coil that gets stuck, there's a mini-convenience store? You grab a wrap, a sparkling water, and a bag of almonds, then scan them yourself at a touchscreen kiosk. That's a micro market.
When you swipe your card at one of those kiosks, the merchant descriptor on your statement often defaults to the headquarters of the technology provider—which, you guessed it, is 365 Retail Markets in Troy, MI.
The FP suffix is just a code. It usually stands for "Full Payment" or identifies a specific type of terminal or backend processing route. Sometimes you’ll see other letters like J, K, or D, but they all lead back to the same place.
Why it shows up even if you aren't in Michigan
This is the part that trips everyone up. You bought a Red Bull at a hospital in Florida or a sandwich at a tech hub in California, so why does your bank think you were in Michigan?
It comes down to how credit card processing is set up. Many companies that operate these micro markets are "local operators." They stock the shelves and clean the kiosks, but they use 365 Retail Markets' software and payment "rails" to handle the money.
- The Backend Hookup: The payment is processed through 365’s corporate system.
- The Default Label: Because the software is registered to the Troy, MI headquarters, that's the location that gets sent to your bank.
- The Disconnect: Your bank sees the registered business address, not the physical location of the kiosk.
Basically, it's like buying something from a small vendor on a platform; sometimes the platform's name shows up instead of the guy you actually bought the item from.
Is it Whole Foods?
There is a bit of a mix-up online where people think this is related to Whole Foods. Whole Foods has a brand called "365 Everyday Value," and for a while, they had "365 by Whole Foods Market" stores.
While a Whole Foods charge might occasionally look similar, 365 Market FP Troy MI is almost exclusively associated with the vending and micro-market tech company. If the charge is for a small amount—like $2.50 for a soda or $8.00 for a salad—and you were recently in a breakroom, airport lounge, or hospital cafeteria, it’s 365 Retail Markets.
How to verify the charge is legit
If you’re still skeptical (and honestly, you should be when it comes to your money), there are a few ways to double-check this without losing your mind.
- Check the Amount: Most micro-market purchases are small. If the charge is $4.12 or $12.50, it fits the pattern of a snack or lunch.
- Recall Your Day: Were you at work? A car dealership waiting room? A gym? Most of these locations now use unattended kiosks.
- The 365Pay App: Do you have an app on your phone used for office snacks? 365 Retail Markets runs the 365Pay app. If you topped up your balance or paid via the app, this is 100% why the charge is there.
- The Support Line: Many of these descriptors include a phone number, often 888-432-3299. This is the direct line to 365 Retail Markets' support. You can actually call them, and they can usually help you identify which specific machine the charge came from.
When you SHOULD worry
Is it ever fraud? Sure, anything can be. If you see a charge for $500 from 365 Market FP, something is wrong. These machines are for snacks, not high-end electronics.
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Also, watch out for "card skimming." While rare on these high-end kiosks, it’s not impossible. If you see dozens of tiny charges you definitely didn't make, someone might be testing your card. But 99% of the time, it’s just that Caesar salad you bought at the office on Tuesday when you forgot your lunch.
Dealing with the confusion
It's sorta annoying that in 2026, payment descriptions still haven't figured out how to show the actual location. You’d think with all the AI and tech we have, it could just say "Breakroom Kiosk - Floor 4." But until the banking "pipes" get a major overhaul, we're stuck with these cryptic Michigan-based labels.
If you're an employer or a facility manager reading this, it's actually worth putting a small sticker on your kiosks that says: "Charges will appear as 365 Market on your statement." It saves your employees a lot of stress and prevents your HR department from having to answer the same question every Friday.
What to do next
If you've confirmed the charge is yours, you don't need to do anything. The transaction is settled.
If you still can't place it, don't just dispute it immediately. Disputing a legitimate charge can sometimes get you "blacklisted" from using those kiosks in the future because the system flags your card as high-risk.
Your action plan:
- Check your receipts (either paper or the digital ones in the 365Pay app).
- Look at the date—sometimes these charges are "batched" and show up a day or two late.
- If it's definitely not yours, call the 365 support number at 888-432-3299 before calling your bank. They can usually look up the transaction by the last four digits of your card and tell you exactly where it happened.
Most people find out it was just a late-night snack they forgot about. Once you know what the "365" stands for, the mystery pretty much disappears.
Actionable Insights: To avoid future confusion, download the 365Pay app if you use these markets frequently. It provides a clear transaction history with itemized digital receipts, so you’ll never have to wonder why Troy, Michigan is reaching into your wallet again. Check your bank's "merchant details" section if available, as some modern banking apps are starting to pull in the actual store logo or a map of the physical location where the card was swiped, bypassing the confusing text descriptor.