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I'm from the UK, I've been in Spain for few days and I've checked my bank statement recently, and I'm have the following transaction which I can't recognise: 

4 Sep 2014  POS 0158 02SEP14 , KIRCHSTRASSE , 6####SCHA , . LI , EUR 23.54, VRATE 1.2507, FGN PUR FEE 1.00  -   19.82

Googling it points me to some Switzerland and German websites where I haven't been there for a while.

How I can check who (which company) charged me for the above transaction?

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    Since you've found out for yourself, try finding a better title for the question: it's wayy to specific as it is since "Kirchstrasse" is just the name of a street as part of an address.
    – Michael Borgwardt
    Sep 10, 2014 at 13:01
  • I didn't find completely yet what's the company name. Actually bank said that the POS could be also on-line transaction. I think that specific title would help other people identify that kind of transaction by Googling it.
    – kenorb
    Sep 10, 2014 at 13:09
  • The problem is that it's way too specific (to one store address rather than to a kind of transaction).
    – Michael Borgwardt
    Sep 10, 2014 at 13:23
  • After investigation, I don't think it's too specific, as it was used by MultiCards global on-line cashier service. And that kind of statements only really confuse people and I believe the following Q&A will help people with their statement issues.
    – kenorb
    Sep 10, 2014 at 13:30

1 Answer 1

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POS stands for Point of Sale (like a specific store location) which indicates that the purchase occurred by using your debit card, but it can also be the on-line transaction done via 3-D Secure.

Checking with bank, they said that Kirchstrasse transaction could be related to direct marketing subscription service ordered on-line.

Investigating further what I've found these kind of transactions are performed by 2BuySafe company registered at Kirchstrasse in Liechtenstein with went through the MultiCards on-line cashier which can be used for paying different variety of services (e.g. in this case it was polish on-line storage service called Chomikuj).

These kind of transactions can be tracked by checking the e-mail (e.g. in gmail by the following query: after:2014/09/02 before:2014/09/02 Order).

Remember, that if you still don't recognise your transaction, you should call your bank.

I have found also some other people concerns about that kind of transactions who ask: Is 2BuySafe.com and www.multicards.com some sort of Scam?

Provided answer says:

MultiCards Internet Billing is a provider of online credit card and debit card processing and payment solutions to many retailers worldwide. MultiCards was one of the pioneer companies offering this type of service since 1995 and is a PCI / DSS certified Internet Payment Service Provider (IPSP) providing service to hundreds of retail websites worldwide MultiCards is a registered Internet Payment Service Provider and has implemented various fraud protection tools including, but not limited to, MultiCards Fraud Score Tool and 'Verified by Visa' and 'MasterCard SecureCode' to protect card holder's card details. 2BuySafe.com Is also Secured and Verified By GeoTrust The certificate should be trusted by all major web browsers (all the correct intermediate certificates are installed).

The certificate was issued by GeoTrust.

Entering Incorrect information can lead to a card being rejected as @ TOS 2BuySafe.com is hosted on the Multicards Server site

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