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payments made by contactless visa not debited

  • 28-10-2015 3:58pm
    #1
    Nanazolie
    Registered Users Posts: 867 ✭✭✭


    Hi

    In the last 3 weeks, 3 payments made by contactless visa have not been debited from my account. I contacted the first business, which is a small cafe, and the manager explained that the staff had forgotten to wait for the confirmation. The other 2 were made in big chains and I have no idea who to contact. Every time, I remember seeing the 'Card OK' sign on the Visa machine, so I'm surprised as to why it doesn't work?

    Has it happened to anyone else?


Comments

  • #2
    Nervous Wreck
    Closed Accounts Posts: 16,115 ✭✭✭✭Nervous Wreck


    Afaik, contactless payments are processed 'offline', meaning they aren't immediately debited (and won't show on your pending transactions list). The bank doesn't get notified of the transaction until they receive the merchant receipt from the business. The 3 transactions may yet be debited from your account.


  • #3
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #4
    suffering golfer
    Registered Users Posts: 1,922 ✭✭✭suffering golfer


    Not sure what the issue is?

    Curious, why are are contacting these people to see why they haven't taken your money, surely it is their problem not yours?


  • #5
    Nervous Wreck
    Closed Accounts Posts: 16,115 ✭✭✭✭Nervous Wreck


    suffering golfer wrote: »
    Not sure what the issue is?

    Curious, why are are contacting these people to see why they haven't taken your money, surely it is their problem not yours?

    Not really. When you do a transaction on your card, the debiting company has 6 months to take the payment from your account. Most people would prefer the payment comes out right away, as they've budgeted for it at that time. If it doesn't, it can come out at a later, more inconvenient time and screw with your finances. It makes sense to try get it sorted asap.


  • #6
    Nanazolie
    Registered Users Posts: 867 ✭✭✭Nanazolie


    suffering golfer wrote: »
    Not sure what the issue is?

    Curious, why are are contacting these people to see why they haven't taken your money, surely it is their problem not yours?

    Because I'm being too honest? I contacted the first vendor when it happened and he confirmed the payment hadn't registered on their Visa terminal so it was their loss and the payment has been written off

    The other 2 went through within a few days. I hadn't realised they could only go through later, I thought something had gone wrong with the transaction


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  • #7
    eoin956
    Closed Accounts Posts: 8 ✭eoin956


    I have used contactless payments many time and it always takes a few days to show up. Usually about 5 days!


  • #8
    dobsdave
    Closed Accounts Posts: 1,814 ✭✭✭dobsdave


    The delay is the reason I avoid it.
    Was in a pub the other day and handed my card to the barwoman and she automatically scanned in using contactless without asking.
    I was not impressed.


  • #9
    Lux23
    Registered Users, Registered Users 2 Posts: 7,134 ✭✭✭Lux23


    dobsdave wrote: »
    The delay is the reason I avoid it.
    Was in a pub the other day and handed my card to the barwoman and she automatically scanned in using contactless without asking.
    I was not impressed.

    I've taken to asking for a receipt so I can keep track of them. Awful pain in the behind.


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