Ruth Reed, from New Jersey, USA, thought she was helping a down-and-out man pay for his food at a petrol station.
A retired school teacher called Ruth Reed thought she was doing a stranger a favour when she picked up the tab for a shaggy-haired guy who was a few dollars short on his purchase.
Reed says he thanked her and said his name was Keith.
Then Reed noticed Urban's bodyguards and realized she really had just paid for Keith Urban.
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"It was then I realized what an idiot I was", Ruth said in the Facebook post. It turns out he was a country music superstar.
"We decided when we saw military people we would treat them at Wawa or Dunkin Donuts or whatever", said Ruth.
"It looked like he was using a card and it didn't go through", Reed to KYW-TV.
So on August 3rd, when the customer in front of her at the store was having an issue at the register, she jumped at the opportunity to help.
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Reed said, adding she was so dubious she even asked where his wife, Nicole Kidman, was.
"When he told me who he was, I didn't believe him!"
The country star played Camden's BB&T Pavilion on Friday night, which he said he nearly called "the PB&J Center" in a video following the performance. "Being at the right place at the right time and too stupid to recognize Keith Urban when you see him".
But Reed was suspicious and said she got a little "snippy" with him.
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Reed, who is very shy, has been getting a lot of attention over her interaction with Urban.