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The number of payment bank cards is increasing every year. People are less likely to withdraw money from ATMs and more and more often pay for goods and services using a card or its details. This is partly due to additional bonuses (cashback, loyalty programs, discounts in specific stores, etc.), which promote the use of money from the card, and not cash. This is partly due to the convenience of card payments.
Article content
Payment methods by credit card
There are several ways to pay for goods and services in stores and service points of sale by credit card:
Each described method has its own advantages and disadvantages, limitations and possibilities.
Payment by card with PIN-code input
This is the standard and most common payment procedure supported by all bank cards. This payment method has no restrictions on the maximum amount, except for the restrictions set by the issuing bank on the amount of transactions per day, per 1 transaction and per 1 month.
Payment methods by credit card
Among the advantages of paying with a PIN code are:
The disadvantages include:
Payment by card without entering a PIN code
This operation is carried out only by those cards that support contactless payment via PayPass / PayWave. These cards have a special badge in the form of an antenna on the front side.
Recently, most banks have issued personalized cards with contactless payment options. This method has a significant limitation - you can pay for purchases in an amount of up to 1000 rubles. If the check size exceeds 1000 rubles, the client will have to enter a PIN code (the rule does not always work, in the case of Tinkoff, the limits are set in the personal account)
Among the advantages of contactless payment are:
There is only one significant disadvantage of plastic - safety. If the cardholder loses it, anyone can use the plastic by paying for purchases in the store for up to 1,000 rubles. No one will suspect that a fraudster is paying with a card.
The cardholder will only learn about the completed transaction by SMS message from the bank, looking in the personal account of Internet banking. If the user does not have a Mobile Bank connected, he can find out about write-offs only when the fraudsters empty his entire card completely, making small purchases in different stores within 1000 rubles.
Of course, most stores today are equipped with CCTV cameras, but on the periphery, many sellers save on this, so it will be quite difficult to find an intruder.
How do I get a refund for a return purchase?
It often happens that stores refuse to return goods that were paid for with a bank card, thereby violating consumer protection law. The seller is obliged to make a refund if the buyer applied no later than 14 days from the date of purchase.
A customer who wants to return goods paid for with a card must provide the store employee with a passport, bank card, receipt, or state the date and approximate time of the operation. The employee will find the transaction and will cancel or reverse the transaction. Part of the amount can also be returned.
For example, a customer bought a different product for a total of 5,000 rubles, and only wants to return certain items worth 500 rubles. Thus, the seller can reverse the transaction for the specified amount. Some sellers may require the buyer to complete a refund application for the item.
Cancellation of the operation is done on the same day, that is, if the buyer returns the product on the day of purchase. A reverse refund operation is done on any other day.
When canceling a transaction or reverse operation, be sure to take a check, which will help in the event that the money is never returned to the card.
The money will be returned by the store only to the card from which the payment was received. Enrollment will take place within 3-5 business days after the return procedure. However, the buyer is not insured against a delay in payments of up to 30 days. These are quite normal numbers, especially in the case of large issuers: Sberbank, Rosselkhozbank, etc.
What if the money was debited twice?
Recently, it happens that when paying for purchases, the connection with the bank is lost and the payment on the card allegedly does not work. After the first failed attempt, the seller tries to write off the amount again and the payment still goes through, but the client receives a notification about 2 successful purchase operations in an SMS message from the bank. Thus, the client pays twice for 1 product.
Many buyers do not know what to do in this case, and store sellers refuse to clarify the situation and send them to deal with the bank.
The buyer should act as follows in such situations:
What if the amount in the check is one, but another is debited?
A situation may occur when the seller mistakenly indicates the wrong amount, and the buyer confirms the write-off operation. For example, a customer buys a product for 1,000 rubles, and the seller accidentally adds an extra 0. In this case, an inattentive customer enters a PIN and pays for the purchase, which is 10 times the real cost of the product. In such a situation, you need to contact the seller and report the error, demand the return of funds paid in a larger amount than necessary.
If the client applies on the same day, the seller can cancel the transaction and then write off the correct amount. If the client comes the next day, the seller can make a reverse operation for the overpaid amount, that is, return 9,000 rubles that the buyer overpaid. The money will return to the card in about 4-7 business days, but you can expect much longer.
Article content
- Payment methods by credit card
- Payment by card with PIN-code input
- Payment by card without entering a PIN code
- How do I get a refund for a return purchase?
- What if the money was debited twice?
- What if the amount in the check is one, but another is debited?
Payment methods by credit card
There are several ways to pay for goods and services in stores and service points of sale by credit card:
- With the input of the PIN code. The buyer must insert the card and enter the PIN. The PIN-code is printed on paper and is in the envelope along with the card. In some cases, the issuing bank generates a PIN code for the client remotely (by phone). In other situations, the client himself generates his PIN code when receiving the card at the bank branch. The exact method depends on the issuer and the selected card.
- No PIN input. The buyer must put the card to the reader and hold it for 2 seconds. Such a card also has a PIN code, which is issued in one of the ways listed above.
Each described method has its own advantages and disadvantages, limitations and possibilities.
Payment by card with PIN-code input
This is the standard and most common payment procedure supported by all bank cards. This payment method has no restrictions on the maximum amount, except for the restrictions set by the issuing bank on the amount of transactions per day, per 1 transaction and per 1 month.
Payment methods by credit card
Among the advantages of paying with a PIN code are:
- Only the cardholder knows the PIN-code, which increases the level of plastic security. These cards are equipped with a chip, which increases their reliability.
- Often, cards with a PIN code have a cheaper service or issuance cost than plastic with contactless payment
The disadvantages include:
- Gradual demagnetization of the strip, deterioration of the external and functional state of the card. The more often it is subjected to friction, the worse it will work. Over time, the plastic and magnetic stripe deteriorate. In this case, the card will have to be changed ahead of time, and this operation at the initiative of the client can be expensive.
- Insufficient safety of operations. When a client pays with a card, he has to take it out of the wallet, insert it into a reader, enter a PIN code. All this is done in public, in line. Attackers can look at the main details of the card, remember the PIN-code and use this data for personal gain.
Payment by card without entering a PIN code
This operation is carried out only by those cards that support contactless payment via PayPass / PayWave. These cards have a special badge in the form of an antenna on the front side.
Recently, most banks have issued personalized cards with contactless payment options. This method has a significant limitation - you can pay for purchases in an amount of up to 1000 rubles. If the check size exceeds 1000 rubles, the client will have to enter a PIN code (the rule does not always work, in the case of Tinkoff, the limits are set in the personal account)
Among the advantages of contactless payment are:
- Safety. The client may not "shine" the card in the queue of other buyers, but attach a wallet with plastic inside to the device. Thus, no one will find out the card number, PIN code, and other important details.
- Simplicity and ease of use. Buyers significantly save their own and other people's time by paying for purchases with a contactless card. They save about 30 seconds on card insertion and PIN-code entry.
There is only one significant disadvantage of plastic - safety. If the cardholder loses it, anyone can use the plastic by paying for purchases in the store for up to 1,000 rubles. No one will suspect that a fraudster is paying with a card.
The cardholder will only learn about the completed transaction by SMS message from the bank, looking in the personal account of Internet banking. If the user does not have a Mobile Bank connected, he can find out about write-offs only when the fraudsters empty his entire card completely, making small purchases in different stores within 1000 rubles.
Of course, most stores today are equipped with CCTV cameras, but on the periphery, many sellers save on this, so it will be quite difficult to find an intruder.
How do I get a refund for a return purchase?
It often happens that stores refuse to return goods that were paid for with a bank card, thereby violating consumer protection law. The seller is obliged to make a refund if the buyer applied no later than 14 days from the date of purchase.
A customer who wants to return goods paid for with a card must provide the store employee with a passport, bank card, receipt, or state the date and approximate time of the operation. The employee will find the transaction and will cancel or reverse the transaction. Part of the amount can also be returned.
For example, a customer bought a different product for a total of 5,000 rubles, and only wants to return certain items worth 500 rubles. Thus, the seller can reverse the transaction for the specified amount. Some sellers may require the buyer to complete a refund application for the item.
Cancellation of the operation is done on the same day, that is, if the buyer returns the product on the day of purchase. A reverse refund operation is done on any other day.
When canceling a transaction or reverse operation, be sure to take a check, which will help in the event that the money is never returned to the card.
The money will be returned by the store only to the card from which the payment was received. Enrollment will take place within 3-5 business days after the return procedure. However, the buyer is not insured against a delay in payments of up to 30 days. These are quite normal numbers, especially in the case of large issuers: Sberbank, Rosselkhozbank, etc.
What if the money was debited twice?
Recently, it happens that when paying for purchases, the connection with the bank is lost and the payment on the card allegedly does not work. After the first failed attempt, the seller tries to write off the amount again and the payment still goes through, but the client receives a notification about 2 successful purchase operations in an SMS message from the bank. Thus, the client pays twice for 1 product.
Many buyers do not know what to do in this case, and store sellers refuse to clarify the situation and send them to deal with the bank.
The buyer should act as follows in such situations:
- Contact the bank and request a card account statement
- If the amount is not debited from the account, but only authorized (blocked / reserved for debiting), then you need to write an application to cancel authorization / unblock money.
- If the amount has already been debited, then the client needs to write a statement of claim with a detailed description of what happened. After about 1 month, the money will be returned to the card.
What if the amount in the check is one, but another is debited?
A situation may occur when the seller mistakenly indicates the wrong amount, and the buyer confirms the write-off operation. For example, a customer buys a product for 1,000 rubles, and the seller accidentally adds an extra 0. In this case, an inattentive customer enters a PIN and pays for the purchase, which is 10 times the real cost of the product. In such a situation, you need to contact the seller and report the error, demand the return of funds paid in a larger amount than necessary.
If the client applies on the same day, the seller can cancel the transaction and then write off the correct amount. If the client comes the next day, the seller can make a reverse operation for the overpaid amount, that is, return 9,000 rubles that the buyer overpaid. The money will return to the card in about 4-7 business days, but you can expect much longer.
