Questions tagged [online-payment]

For questions relating to online payment services (Paypal, Google Checkout, etc.) and the use of online payments as a way to make purchases.

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1answer
63 views

Is there such service that could transfer money from user's PayPal without I needed PayPal account [on hold]

Is there such service that could transfer money from user's PayPal account dirctly to my bank account even if I don't have a PayPal account?
3
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1answer
56 views

Is there a way to use an ANZ Visa card overseas without a mobile phone for Verified By Visa?

I'm an Australian travelling in Asia on a budget. I've always travelled without getting local SIM cards so no phone. I rarely make purchases online. About four months ago I bought a flight online ...
3
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2answers
259 views

What is the safest method of receiving payment for expensive items being sold on Gumtree?

I intend to try to sell a laptop on Gumtree. Since this is my first time selling something online, my knowledge of this is near zero. I've researched the safest ways to sell items on Gumtree and I'...
20
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1answer
4k views

Do I have a right to cancel a purchase of foreign currency in the UK?

A few days ago I ordered 100 Euros using a travel agents website, to be picked up in their store and paid for them in GBP by debit card. I noticed just after that they aren't open on Sundays, meaning ...
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1answer
215 views

Online Shop won't deliver - What's my best choice of action? Inkasso or PayPal?

I ordered something online (~150€) from a shop that had ~30k mostly. positive reviews online. (After the fact I realized that all reviews from the last few weeks were horribly negative, though.) I ...
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1answer
176 views

My money transfer went to the wrong bank, what can I do to reverse it?

I have 2 different bank accounts with a bank and a credit union. A payment through seller was posted into the wrong account. What can I do to reverse the transaction?
1
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1answer
86 views

Which payment methods are available in Google Pay

Is it possible to add to my digital wallet in Google Pay payment methods apart from credit/debit cards such as ideal or trustly?
2
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1answer
214 views

Does Google make money from 'Google Pay' for online purchases?

Does Google charge anything for using Google Pay and letting pay through it for online transaction in web of mobile app? According to this guide, merchant, or PSP that would like to enable Google Pay ...
24
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5answers
5k views

Using credit/debit card details vs swiping a card in a payment (credit card) terminal

I was given by a seller an option to come to their office and swipe my credit/debit card there in their payment terminal. Because it's a long way to get to their office, I asked the seller if he ...
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0answers
157 views

Merchant Requesting Sensitive information to validate credit card

I'm trying to subscribe to a cloud service and they are requesting a lot of information. Is there a limit to the information a merchant can legally request in order to let you use a credit card? They ...
-2
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1answer
77 views

Pre-Authorized Direct Debit through online forms

This might be a cross-over between stackoverflow and money.stackexchange but I am wondering about the rules and regs of setting up a Pre-Authorized Direct Debit (PAD) through an online form. Say I ...
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0answers
95 views

Paying by voice - what is its transaction type

When I purchase something through voice virtual assistant, for example order Pizza through my Echo-Alexa - is it written in card schemes (Visa/Mastercard) as a Card-Not-Present (CNP) transaction or it'...
3
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3answers
255 views

Retailer charged different amount on my card

A little bit of context: I did some online shopping. I added some items in the basket for total amount of 770 and payed online with my card. the 770 value transaction was status "pending" on my bank ...
3
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1answer
109 views

Do online billpay/banking force NSFs when they can?

When online banking and payment systems first came out, I remember they used to have a lot of issues with giving indicators (visual/email payment confirmation) that a payment was 'locked in', but then ...
0
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1answer
145 views

Real example for PWA application complete payment transaction offline

The new standard PWA provides ability for eCommerce websites to work offline. In theory this also includes the checkout part that complete the purchase by paying. But, can someone let me know about ...
0
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1answer
128 views

How do I get a notice number to pay North Carolina income tax?

This page says I can pay my North Carolina individual income tax using the online payment system: https://www.ncdor.gov/taxes-forms/collections-past-due-taxes/payment-options But the online payment ...
4
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3answers
226 views

Reversing the credit card model to make it secure

I have read a lot about financial information being stolen, particularly credit card details, because they are stored or at least entered online or at points of sale. It seems to me that the method ...
4
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2answers
391 views

Product and refund offered in exchange for Amazon Verified Purchase review

A few days ago, out of the blue I was contacted by a purported Amazon seller who is probably based in China, about sending me a product in their catalog in exchange for a review. They probably got my ...
2
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1answer
141 views

Should I be concerned about chargebacks from users buying my software? [closed]

It seems like most payment processors favor the buyer when settling disputes. I sell custom made software and I know that users can issue a chargeback to avoid paying. Are chargebacks something I ...
40
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5answers
8k views

Do institutions have right to ask for your credit card security code and all other CC data?

A school wants my credit card data including a security code. They've sent me a form to fill in about my card. As I know security code is something that shouldn't be shared publicly. Should I provide ...
0
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1answer
95 views

What is the law on digital download refunds

I was after some advice if possible. I currently sell digital products online through a 3rd party. The way it works is, i design / develop some code and upload it. The 3rd party prices it accordingly ...
-1
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1answer
100 views

Why do payment processors meddle with their business partners? [closed]

It's been in the news recently that payment processors are dropping their clients left and right, meddling with small businesses, and not being very upfront about it. In articles that mentioned why a ...
1
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1answer
178 views

Entered incorrect 3 digit when making online transaction

When purchasing a product online, at the checkout I entered the wrong 3 digit security code for my card. Does anyone know what will happen? Will the transaction still be successful? Will I be charged? ...
2
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2answers
124 views

Interaction-less payments, how do they work?

I've seen a lot of payment gateways offer subscription payments: the user agrees to pay a recurrent fee at a fixed interval. However, there are also services in which you pay a variable pay-as-you-go ...
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2answers
46 views

Information about fee via 3ds secure protocol [closed]

I've made a transaction between my 2 cards issued by different Financial institutions (Banks). I've confirmed the transaction amount in 3DS window. But the total amount was decreased on a fee volume. ...
1
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1answer
123 views

When can a personal maestro prepaid debit card process payments without the owner entering the PIN number?

My bank gave me a debit card I can use to run small errands, especially online. I recently started using it for paying also meals and/or drinks. I noticed that sometimes it is not necessary for the ...
3
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4answers
177 views

Online Order Billed Amount Exceeds Invoiced Amount

I purchased an item online using a discount code, which was accepted by the website, and proceeded to purchase the product at a total of $227 using my credit card. I received a confirmation email ...
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1answer
432 views

How to reverse PayPal payment?

How to make a reverse on PayPal payment? I am a buyer of wonderful online goods and services, through sites like ebay. I have pay too much to my friend who sell me things and now I need to reverse the ...
3
votes
4answers
247 views

Fees for using mastercard/Visa card at a place which accepts payment in other currency

I want to know what are the fees involved when we pay online using Visa/MasterCard to a service which accepts payment in some other currency. I have very little knowledge related to this. I am from ...
2
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2answers
99 views

Bill Pay Funds Not Payed

I am using Bill Pay at my local credit union. It works well in general. The big catch to me is, the money is removed from my account on the day the payee is to receive the check. Other than the ...
2
votes
2answers
501 views

How to prove that I did not receive a payment

I'm working with an online company that sends payments through a bank. I sent them a payment request a while ago with my IBAN + the bank SWIFT and other details provided, so they could transfer the ...
0
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1answer
186 views

How do 'payday money' stores fund their 'buy now, pay later' loans? [closed]

Payday loan companies may have millions of customers, who all borrow hundreds or thousands of dollars for a fee. Do these companies get their funds from banks and share the interest together, or what?
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1answer
142 views

Is there a White-list of Trusted Online Vendors? [closed]

There are many online vendors selling all sorts of things that allow you to pay using your credit card. I want to know if there could realistically be some white-list (or even a blacklist) of such ...
8
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2answers
573 views

Should I pay a company who failed to collect VAT from me over 6 months ago?

Nearly 7 months ago I purchased some software for $12.99 from an company in the USA. I didn't check at the time whether that price included VAT as in the EU: You have to be clearly informed about ...
3
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1answer
593 views

How to refuse a Clearxchange payment?

A client sent me a payment via Clearxchange. I do not use Clearxchange, nor do I want to start using it. The website states that once a payment is sent, then the sender cannot cancel it. But there ...
7
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2answers
1k views

Passing credit cards fee onto the customer in the UK

A recent comment on this site suggests it's “it is illegal to sell goods at different prices depending on the payment method used” in the UK. Yet, all low-cost airlines in Europe seem to do it. In ...
2
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1answer
190 views

What data does a seller receive when I pay by credit card?

I am interested in understanding what information a seller receives from a credit card payment; for example, I imagine my name, the amount of money transfered, but do they also receive my address? or ...
2
votes
3answers
55k views

Paid credit card bill, but money didn't leave my checking account [duplicate]

I paid my CC bill last Friday morning. The payment appeared in my CC account that same day. But now, 3 days later, the money still hasn't left my checking account (which is in a different bank). I ...
1
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2answers
322 views

Can I dispute charges where I did not enter CVV?

I recently was looking for hotels online out of the country in a pretty famous and legit online reservation system. Basically the reservation was like reserve now and pay later. The website asked for ...
0
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2answers
155 views

Can I force non-payment on a pre-authorization hold by closing account?

I was just thinking back to an episode of Silicon Valley, just hear me out, where Gilfoyle tells Dinesh he can close his bank account to avoid having the donation platform collect the $5,000 he doesn'...
3
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2answers
3k views

Potential phishing scam?

Made a large purchase order on a site with a safe Norton rating and A+ BBB rating. Noticed I put the wrong shipping address, called the number on the site, and I got the order canceled and received an ...
2
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2answers
336 views

It is usual practice for the most relevant part of online banking services (making payments) to only be available during working hours of a bank?

Where I live (Central Europe) it doesn't seem to be possible to make a transaction between two bank accounts of two different banks that is outside their office hours. This also applies to online ...
3
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1answer
138 views

How to safely sell and transfer a web domain?

Let's imagine the following situation: You have a domain like example.com and someone is interested in buying it. You as the owner of the domain are located in the European Union and the interested ...
2
votes
2answers
2k views

Money deducted without Verified By Visa authentication

I am an Indian who has a MNC Bank Visa debit card. I always use Verified By Visa service to pay using my debit card. Last day as usual i entered the details of card in an International Site(I have ...
5
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2answers
751 views

My eBay account was hacked and a fraudulent listing was made- Scam?

Recently my eBay account was hacked and a fraudulent listing was made, it was for a mobile phone with a sale price of just £12 (about 5% of its RRP) with 10000 units. I received a notification to say ...
2
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2answers
377 views

Any reason to use PayPal to buy on eBay if I'm using a Virtual Credit Card Number?

Before answering this question, please assume it is a given that: I am using a virtual card number for purchases regardless of whether I go through PayPal or not. I already have a PayPal account; the ...
0
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1answer
95 views

Unexpected overcharge on international transaction

I am living in Australia, and recently made a fairly large purchase online from a company based in the UK. When I made the purchase, it was during a promo period where the cost was 40% off the usual ...
4
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1answer
1k views

How can I sell things online legally as an under-aged person? [closed]

I'm a pupil from Germany, I'm 15 years old and I want to sell a product online. However, it's not as easy as it may sound. The first problem is that I am not allowed to sell things before I'm "...
1
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1answer
7k views

I just “paid” online with a debit card with no funds. What now?

I'm new to cards since I always prefered cash. I was just trying to claim my business on Foursquare, and they asked for Card registering, I input the information but it's an empty debit account, no ...
3
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1answer
3k views

How to pay IRS CP14H

I received a Notice CP14H from the IRS to pay a small amount of owed money. I want to do this online instead of mailing a check or money order. I went to irs.gov/payments and looked at my options, but ...