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Charged incorrect amount

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  • 20-12-2017 10:41pm
    #1
    Zapperzy
    Registered Users Posts: 2,524 ✭✭✭


    I purchased a pair of boots on Saturday for €100, paid with debit card and took no notice of the receipt so of course shoved it into my purse. I checked my bank account and noticed €60 transaction from this shop so went back and checked the receipt. The till receipt was for the correct price but the card machine had the incorrect price. On Monday the shop debited the remaining €40 in a separate transaction.

    I'm not disputing the shop getting paid. What I'm interested in is how they authorised a second transaction without neither them nor my bank contacting me? Surely they need my pin code/signature or the bank needs to contact me first?


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    #2
    ytpe2r5bxkn0c1
    Closed Accounts Posts: 32,688 ✭✭✭✭ytpe2r5bxkn0c1


    You had already given them approval for €100. They didn't need to contact you.


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    #3
    CeilingFly
    Closed Accounts Posts: 3,378 ✭✭✭CeilingFly


    The store copy of your card receipt has your name, card number and expiry date.

    They probably put it in as a "cardholder not present" transaction.

    You could technically contest it, but they'll have the till receipt and the incorrect payment and would probably win the dispute and depending on your card you may end up with an incorrect contest fee.


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    #4
    Kewreeuss
    Registered Users Posts: 744 ✭✭✭Kewreeuss


    How can they have your card number? do they actually see all the numbers??


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    #5
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    Kewreeuss wrote: »
    How can they have your card number? do they actually see all the numbers??

    This comes up all the time.

    The receipt the shop retains has the card number and expiry date on it.


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    #6
    CeilingFly
    Closed Accounts Posts: 3,378 ✭✭✭CeilingFly


    Kewreeuss wrote: »
    How can they have your card number? do they actually see all the numbers??

    Depends on their system. But generally yes and there are strict rules regarding storing them.

    A retailer must hold copies for 6 months. On non pin transactions, the onus is on the retailer to prove it was a valid transaction.

    Remember the old days - a carbon copy of your card was taken. It really hasn't changed much and nothing to be concerned about due to the fact that unless the pin is used, you have the backup security of the retailer having to have some form of proof the transaction was correct.


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    #7
    tracey turnblad
    Registered Users Posts: 657 ✭✭✭tracey turnblad


    The till probably showed short and they went through the transactions and seen that your bill was 100 but you only paid 60 and deducted the balance.


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