Under-charged for purchase

wdw2003

On a very similar theme, but I don't want to give too many details because it's a live issue...

A close family member working in a shop accidentally keyed in £10 instead of £1,000 for a purchase the other day. The buyer paid by card and walked off with the item before the mistake was noticed. The shop has no details about the buyer other than the card details. Can the shop simply charge the difference? I would have thought data protection now would prevent the card company giving out details to enable the shop to contact the buyer. How might this be resolved in the shop's favour?

Naturally we're mortified about it and hope that the shop can get its money somehow, although it seems that the buyer "hasn't noticed" or is hoping the problem will go away.

Flyboy152

wdw2003 wrote: »

On a very similar theme, but I don't want to give too many details because it's a live issue...

A close family member working in a shop accidentally keyed in £10 instead of £1,000 for a purchase the other day. The buyer paid by card and walked off with the item before the mistake was noticed. The shop has no details about the buyer other than the card details. Can the shop simply charge the difference? I would have thought data protection now would prevent the card company giving out details to enable the shop to contact the buyer. How might this be resolved in the shop's favour?

Naturally we're mortified about it and hope that the shop can get its money somehow, although it seems that the buyer "hasn't noticed" or is hoping the problem will go away.

Yes.


......

wdw2003

Thanks, Flyboy. Here's hoping it's that simple. As a matter of interest, do shops retain the complete card number in order to make the charge, or will they simply have the last four digits that's printed on the receipt and therefore need to get the cardholder's permission?

Flyboy152

wdw2003 wrote: »

Thanks, Flyboy. Here's hoping it's that simple. As a matter of interest, do shops retain the complete card number in order to make the charge, or will they simply have the last four digits that's printed on the receipt and therefore need to get the cardholder's permission?

Aah....that I can't help with as I don't know enough about how that side of things work.

mountainofdebt

wdw2003 wrote: »

Thanks, Flyboy. Here's hoping it's that simple. As a matter of interest, do shops retain the complete card number in order to make the charge, or will they simply have the last four digits that's printed on the receipt and therefore need to get the cardholder's permission?

The merchant copy of the receipt will show the full card number so they should technically be able to take the difference without contacting the customer.

As for the OP I hope he's really proud of his morals and that Karma bites him on the bum hard.

Flyboy152

mountainofdebt wrote: »

The merchant copy of the receipt will show the full card number so they should technically be able to take the difference without contacting the customer.

As for the OP I hope he's really proud of his morals and that Karma bites him on the bum hard.

What about the security code?

unholyangel

Flyboy152 wrote: »

What about the security code?

They'll probably have the option for "customer not present".

Flyboy152

unholyangel wrote: »

They'll probably have the option for "customer not present".

Hmm....but whenever I am asked to pay by card, I am asked for my security code, even over the telephone.

bb999

It is almost impossible for the shop to recharge this.

They can't just enter it without a pin.
If they do a CNP they need the security code.
Even if they knew the security code, such a large amount done as a CNP would probably be rejected.

When places like hotels & car hire companies do this they have usually pre-authorised the transaction.

halibut2209

Thanks Flyboy. Your posts always brighten up my morning!