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Card Details Requested Over Phone for Medical Scan

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  • 02-11-2020 6:16pm
    #1
    inxtrovert
    Closed Accounts Posts: 5 ✭


    I was referred to a private clinic by my GP for a scan, was then phoned by this clinic to organise an appointment. Was informed they require payment up front and to my shock they requested my card details over the phone (including CVV).

    They were calling from the official number of the clinic and knew the details of my scan, so after after expressing my surprise and asking if there was no other way, against my better judgement I gave the details.

    No money has left my account yet but I received a card authorisation from "Medserv".

    Has anyone had any experience with something like this? Seems highly unprofessional.


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    #2
    EverythingGood
    Registered Users Posts: 2,003 ✭✭✭EverythingGood


    I would say its completely normal, just like a hotel or restaurant taking the details to hold a booking.


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    #3
    coylemj
    Registered Users Posts: 25,455 ✭✭✭✭coylemj


    I've paid for furniture, windows and hotel bookings by calling out all of my card details to someone over the phone. It's not as unusual as you think.


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    #4
    Jim_Hodge
    Registered Users Posts: 10,848 ✭✭✭✭Jim_Hodge


    Nothing unusual at all. Quite common


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    #5
    un5byh7sqpd2x0
    Closed Accounts Posts: 1,862 ✭✭✭un5byh7sqpd2x0


    Completely normal, nothing wrong with it.

    The CVV is required because it's a customer not present transction.


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    #6
    endacl
    Registered Users Posts: 22,311 ✭✭✭✭endacl


    That’s how card payments over the phone work.


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    #7
    Saudades
    Registered Users Posts: 380 ✭✭Saudades


    Personally I would never do it. You're at risk of fraud from the person on the other end of the phone line. Why not just go down to the clinic and pay in person, or ask them for their IBAN and pay electronically.


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    #8
    Jim_Hodge
    Registered Users Posts: 10,848 ✭✭✭✭Jim_Hodge


    Saudades wrote: »
    Personally I would never do it. You're at risk of fraud from the person on the other end of the phone line. Why not just go down to the clinic and pay in person, or ask them for their IBAN and pay electronically.

    Yes, I'll travel for two hours to present my card then two hours home again.

    I've given card details by phone for decades without issue


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    #9
    Saudades
    Registered Users Posts: 380 ✭✭Saudades


    Jim_Hodge wrote: »
    Yes, I'll travel for two hours to present my card then two hours home again.

    The OP never mentions anything about the clinic being two hours away.

    I also wrote "or ask them for their IBAN and pay electronically".
    Jim_Hodge wrote: »
    I've given card details by phone for decades without issue

    Good, but that doesn't minimize any future risk of fraud. You just don't know who's on the other end of that phone line.


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    #10
    coleen
    Registered Users Posts: 382 ✭✭coleen


    Saudades wrote: »
    The OP never mentions anything about the clinic being two hours away.

    I also wrote "or ask them for their IBAN and pay electronically".



    Good, but that doesn't minimize any future risk of fraud. You just don't know who's on the other end of that phone line.

    When you ring up a hotel to book a stay you are always asked for your details including CVV number so it would seem normal to me


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    #11
    Jim_Hodge
    Registered Users Posts: 10,848 ✭✭✭✭Jim_Hodge


    Saudades wrote: »
    The OP never mentions anything about the clinic being two hours away.

    I also wrote "or ask them for their IBAN and pay electronically".



    Good, but that doesn't minimize any future risk of fraud. You just don't know who's on the other end of that phone line.

    No the OP didn't but I did. Not everybody lives beside places they make payments to.

    I'd have some messing looking for IBAN etc every time I tried booking a hotel or phoned in an order to have some flowers delivered.

    I order heating oil by phone and would have some fun if I then said 'give your IBAN now so I can make the payment'.

    Do you look for IBAN when giving card details for a restaurant booking?

    How many times a year have you actually booked something or paid a deposit having gotten the vendors IBAN?


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    #12
    alias no.9
    Registered Users Posts: 6,321 ✭✭✭alias no.9


    If this was Affidea, they've changed policy recently where even if you do have Insurance that covers the scan, you need to give card details to secure the booking. Not sure if it was because of no shows or what but they never did this before.


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    #13
    Darc19
    Registered Users Posts: 3,817 ✭✭✭Darc19


    As everyone has said, totally and completely normal.

    It's the 4 digit pin number that you never give out. But long number, expiry date and cvv number is what is required for remote transactions.

    The place taking the details has to follow a process to keep your details safe and hold the records for 6 months.

    They also take total responsibility for the transaction. If they do a transaction and it is disputed, it is they that must prove it was a valid transaction.

    So total and complete protection for the card holder


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    #14
    3d4life
    Registered Users Posts: 882 ✭✭✭3d4life


    alias no.9 wrote: »
    If this was Affidea, they've changed policy recently where even if you do have Insurance that covers the scan, you need to give card details to secure the booking. Not sure if it was because of no shows or what but they never did this before.




    A few years ago I booked a scan with same, was assured it was covered ( direct payment ) by some med ins that I have. On arrival for scan was told it was not covered and payment demanded. No card with me so left them to it. Turned out their cash price for the scan was approaching double what another scan company subsequently did it for.


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