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
92 views

Double charge while paying online

Lately I've started encountering this double charge procedure on almost every online payment I do. For example, I've ordered some food from UberEats and the bill was 20,00€ (€10,00 x 2). I ...
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2answers
162 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 ...
4
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2answers
101 views

What does it mean to pay by purchase order?

Not sure if this is the right place to ask, but I'll give it a try anyway. I sell some software online that customers pay for using a payment processing service which allows you to pay using a debit/...
4
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2answers
44 views

What are some drawbacks to Interac's e-transfer auto-deposit option?

As a user, what are the drawbacks for Interac e-transfer auto-deposit and what I should consider before using it?
40
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13answers
9k views

How can a client pay me for freelance work if I don't want him to know my name and he is uncomfortable using bitcoin?

I've been contacted on a specialized Internet forum and offered a well-paid one-off job to translate a highly specialized text, and I'm happy to accept the offer, but there's a problem: I have always ...
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1answer
81 views

what is the use of payment gateways like Razorpay when we already have Payment Gateway like Master card, Visa , Rupay? [closed]

My knowledge is that Master card, Visa these companies have the connection to the bank server and thats why inter bank transaction is happening so smoothly nowadays. Hence they are payment gateways. ...
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0answers
32 views

Profit sharing after a property has been sold

my cousin and l jointly owned a property which we have just sold. There was an outstanding balance of 20,000 on the mortgage as at when we sold. The ownership is 50/50. Do l deduct the balance ...
3
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4answers
2k views

How can I stop PayPal from setting up automatic payment to vendors?

I find that often when I pay a bill with PayPal somehow the vendor is able to create an automatic payment. Then I have to go and cancel it. This is extremely annoying. How can I prevent PayPal from ...
0
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1answer
286 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 ...
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0answers
51 views

International online payment

Recently, I noticed my bank is applying a currency conversion fee when I am paying in some online sites. The scenario is I got to somesite.com and order a product (food/service/devilevry/whatever). ...
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0answers
72 views

Online Store is authorised but did not take the funds yet (initially deduced and then returned to my bank account)

Recently, I've done an online shopping for (~240 GBP) using my debit card (british bank). I have seen that the money has been initially deduced from my bank account, which I assumed was all fine, ...
2
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1answer
46 views

Why can't Bill Pay payments be scheduled with savings accounts with some banks?

Why can't Bill Pay payments be scheduled with savings accounts with some banks? For example, the Bill Pay at bank of America doesn't the users to schedule payments with saving accounts:
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1answer
136 views

I got scammed or not and what should I do?

One day a company send me email that I was selected for position of assistant in real state agent. Then filled up form and ready for 1 month paid trial. Then they send me email to contact a person via ...
18
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6answers
13k views

Is it safer to send credit card number via unsecured website form or by e-mail? What safer options are there?

I want to buy something from a VERY REPUTABLE Asian seller. They've got a lot of good references all over the internet. The only thing is, they are quite old-fashioned and so is their website. They ...
16
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8answers
25k views

PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?

This is the second time in the last couple of weeks that I'm seeing the following error from PayPal. (Note: I've deliberately hidden the name of the merchant at the top.) "You cannot use this ...
3
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0answers
73 views

How do certain companies force payment withdrawal while others can’t?

Not sure if this is the right place to ask so let me know otherwise, but it seemed the most appropriate...Some subscription services (Spotify, Netflix for example) can’t process your monthly payment ...
3
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2answers
2k views

Why are interbank payment (settlement) systems closed for weekends and holidays?

Why are interbank payment (settlement) systems (TARGET2, for example) closed for weekends and holidays? Are they saving on the electricity of their servers or something? Or are they really checking ...
0
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0answers
35 views

What countries cannot pay a USA not-for-profit account with PayPal?

On a US not-for-profit (NFP), I'm using PayPal as only payment method (which accepts both PayPal and card payments). I just had a user from Singapore who reports they can't pay --- this seems since ...
12
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1answer
723 views

Verified by Visa - payment site is asking for social security number

I've wanted to pay a merchant in the European Union. We've done business with that merchant for over 10 years and they are absolutely trustworthy. They handle their online credit card payment service ...
1
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0answers
192 views

How to split money between two devs of a Play Store app

Me and a collaborator made an android application and now want to sell it on the Play Store. We would like to know if it's possible to automatically split the money 50/50 between us in some way. As ...
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0answers
30 views

Local routing numbers to receive payment in AED

I live in India. One of my clients requires a UAE based bank account to make the payment. I was looking for local routing number providers like Transferwise and Payoneer. These companies provide ...
0
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1answer
54 views

Consumer protection purchasing online course offered by USA company from another country: Which law applies?

I'm from Argentina. A big online learning platform from San Francisco offers course at a price (11 USD) in private navigation, but following the link with common navigation the price change (to 20 USD)...
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1answer
87 views

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

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
557 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
407 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
243 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
194 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?
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1answer
107 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
913 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 ...
25
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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 ...
3
votes
1answer
114 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 ...
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0answers
159 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 ...
3
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2answers
4k 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 ...
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1answer
80 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
98 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
votes
3answers
265 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 ...
2
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5answers
787 views

Must I pay a credit card balance after receipt of the statement, or can I pay as I go?

I recently got my first credit card and am not sure how payment works (I'm used to debit cards). I know there's a closing date: you get the statement, and you have to pay it by a certain date. I made ...
0
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1answer
343 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 ...
2
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2answers
851 views

How does credit card's online authentication work?

I am not sure if this question is valid here but this seems to be the most appropriate place. I have a credit card which I use to shop online. When I checkout a product on say, Flipkart, it asks me ...
2
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2answers
2k views

Receiving online payments without disclosing my name and home address?

Is there a payment gateway or something that keeps your name/identity private and not seen that takes credit cards? Does PayPal work, or does it show your name and home address? I would ONLY like my ...
2
votes
2answers
133 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 ...
4
votes
3answers
256 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
3k 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
143 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
votes
5answers
9k 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 ...
5
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3answers
2k views

What are online payment options with no chargeback protection?

What exactly are chargebacks and chargeback fraud? Is it a complaint about not receiving the product, or is it about the customer saying that he did not authorize the payment? If I understand ...
0
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1answer
100 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 ...
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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 ...
9
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5answers
24k views

How common is 3-D Secure with US credit card users?

For online transactions, the 3-D Secure layer seems to be a pretty good idea. It's seasoned and well-tested (read: old) and a lot of credit card companies in Europe offer it. For example, a lot of ...