Google pay s75

be96erj

Does anyone know whether you are covered under s75 when using Google pay? Most of my cc payments are made using this system via NFC on my phone so I hope so!

forgotmyname

Is the transaction over £100 ? Some merchants wont allow that much, but S75 only kicks in at that amount.

But then the issue of the 3rd party. You will need to speak to your card company. They may or may not allow a S75 claim.

Craig1981

would largely depend on the transaction and your card provider, there is no definitive answer

may be worth a read, but wont clear anything more up for you unfortunately
https://www.moneysavingexpert.com/news/2017/04/revealed-section-75-credit-card-protection-may-fail-due-to-payment-processing-loophole---shoppers-beware/

eskbanker

forgotmyname wrote: »

Is the transaction over £100 ? Some merchants wont allow that much, but S75 only kicks in at that amount.

At the risk of being pedantic, it's the item value that has to be over £100, rather than the total transaction....

More info at https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases/

eco_warrior

I’ve not personally heard of a s75 claim being rejected for this reason alone.

That said, if I was making a significant purchase I would use the card directly but that my own opinion

Baozhai

Even I haven't heard of any such claim of being rejected and yeah I have purchased a lot. So far no issues.

ciderboy2009

Presumably this would be similar to Paypal transactions as there's third party involvement?

I have heard of quite a few S75 refusals for Paypal - but not in the last 6 months or so, so it might not be a problem any more.

bigisi

Baozhai wrote: »

Even I haven't heard of any such claim of being rejected and yeah I have purchased a lot. So far no issues.

And how many claims have you made?

*Edit - Ignore that, from your other posts I can see you're post building presumably to spam soon.

TheJC

Google Pay NFC uses tokenisation. Unlike PayPal et alia where you add your card details and the CV2, with payments treated as a card-not-present online purchase transaction, adding a card to Google Pay involves both your bank and the card network and NFC payments are treated as in-person card-present transactions, with the phone/watch/etc. essentially being treated identically to the NFC credit card.

That's how the tech works, and I can't see how a card issuer that promotes Apple/Google/Garmin/FitBit/Samsung Pay can claim paying with a tokenised 'copy' of a card is any different to making a payment with a second/additional card on the account.

I first used Android Pay when someone pick-pocketed my card when I was walking around Tesco and, after wasting time waiting for someone to check if it had been handed in, I checked online banking and phoned the bank to report it stolen, and had to explain the most recent Android Pay transaction was genuine but the two previous contactless transactions were fraudulent - card died next day after it was used at Boots.

Check the Ts&Cs of the card, or ask the issuer. The easiest way to get it in writing is probably Twitter, as this guy did with Bank of Scotland: https://twitter.com/gordon_mcfadyen/status/1045390783996710914

OceanSound

I remember reading on the google pay terms that s75 and chargeback (for debit card) applies just like you would do if you used the card direct (without google pay).

jonesMUFCforever

My motto is - if in doubt use a credit card directly not through a 3rd party.
It might work it might not - I would prefer clarity before paying not trying to get help afterwards.