How do I cancel an online debit card payment?

rebellion · 6 September 2007 at 3:09AM

How do I cancel an online debit card payment?

A week ago I purchased an item using a Maestro debit card from an online retailer that I thought was based here in the UK but when I got a payment confirmation email it has a German address. Since placing my order I noticed that many of the contact links, etc don't work and they also have the Geotrust symbol on their site but the link on that doesn't work either. I think the site is fairly legit but was disappointed to find that the item will probably be shipped from europe. To be on the safe side I want to cancel my order but the contact links don't work. In fairness to the retailer they haven't taken payment yet and the item hasn't arrived.

Would my bank be able to cancel the payment when it is processed if I ask them to? Should I trust them to do this?
or
should I just cancel my debit card (perhaps say it is lost)? Would this stop any payment from being processed on this card?

I know this might be a simple answer for many but as its a debit card not a credit card payment I am unsure of what to do.

Thanks for any help in advance!

Raver2k7 · 6 September 2007 at 3:30AM

your bank should be able to cancel, providing the money hasnt gone already.

scottp_2 · 6 September 2007 at 7:25AM

If the payment isn't showing on your account at all, you can cancel the card and it will just decline when they try to take the money. However, it is possible that the payment may be 'pending' on your account, in which case you will not be able to stop the payment. A debit card payment is guaranteed so once its in the system, nothing can be done about it.

rikshaw · 2 December 2008 at 12:00PM

I went to the bank yesterday morning 1/12/08 @ 09:30 to cancel an online
transaction request pending,but they would not do because they did'nt know
the reciprent,today the money has been taken out,been to the bank this
morning,and all they say is the recipient has my card details,and can take
money has they choose,what can I do,regards rikshaw.

lisyloo · 2 December 2008 at 12:03PM

Wait for your item to arrive?
You may be worrying unnecessarily.

aliy · 2 December 2008 at 12:50PM

If I cancel my debit card and then in a few days a company try to get the money will it be declined or would the bank honour it if it has gone out before??

King_Of_Fools · 2 December 2008 at 1:38PM

I am sorry to say this but once the card (credit or debit) has been authorised for use to make the purchase (at the time the order was made) there is nothing that can be done to stop the transaction.

The bank have no way of blocking the transaction, the only way to stop it is to ask the retailer to cancel.

unionjackboy · 9 March 2011 at 12:46AM

Hi, i have came across this from a search on Google.
It's similar to me and my friends situation.

He gave me his card details and asked me to buy him and myself 2 tickets to V Festival however i've used a scam site by mistake.
Do you have any help or advice on how to cancel the purchase of 2011 tickets from V-Festival-2011.com?

So far no money has been taken from my friends account but we're worried it could be at a later date.

Is the solution to simply cancel the card imediately and get a new one or is there a way the bank can cancel the transaction? It's been 4 days since the purchase and nothing has been taken out of the account. I received a confirmation e-mail but i've been told it's basicaly a pointless piece of rubbish or a ploy.

I'm not sure if this helps but as i made the purchase with HIS card but used MY home and phone details the card will not match up to the delivery address. As they do not match up if they go to do anything will it fail or not? They do have the 16 digit card number and 3 digit security code and expirey date as well as my mobile number and address.

Thanks for any replys.
Much appreciated.
Stephen
[EMAIL="unionjackboy@hotmail.com"]unionjackboy@hotmail.com[/EMAIL]

stclair · 9 March 2011 at 12:50AM

You could always try and cancel the card however it may not always be successful.

Should the transaction be processed they could always contact there bank and do a charge back.

izools · 9 March 2011 at 8:46AM

Reporting the card as lost / stolen should stop any new authorisations being processed on to the card. In my experience, this includes recurring authorisations.

timmeroo · 29 March 2011 at 6:39PM

Hi - my partner thought she had shredded her car insurance cert. had to ring Hastings who can send a duplicate for £35 - so she duly paid but wanted to have it e-mailed fffor quickness and not having an e-mail address was going to ring back with my e-mail address. In the meantime I had found her original Insutance cert so while back on the phone, she asked for the payment to be cancelled, but was told it was already in the post in spite of awaiting an e-mail address. What are the chances that she can get her money back. She can ill afford £35 when she earns a mere £40/day - there should be some way of getting this one off payment cancelled just as you can cancel cheques?
additional: Incidentally, the transaction took place at about 4pm today and the error discovered about 20 mins later. I e-mailed Hastings about it within a half hour of that and rec'd their automated reply of receipt of e-mail. So they have a record of my concerns within an hour of the transaction.

How do I cancel an online debit card payment?

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free