Credit card payment error

Cocothecat

Hi, I have been really silly and miskeyed a payment to my aqua account. I rang my bank who couldn’t care less. I rang aqua and explained that I had Mis Keyed in a reference number. The account number and sort are correct - It was within the first 8 digits. They told me it might bounce back as the number doesn’t sound like an aqua number (it’s my card number) ! I looked at my husbands card and his card starts with the same 8 digits.though so here is hoping - Have I lost the payment? Can it be traced or had someone just got £300 off their card magically! Aqua were very vague with me has anyone else any experience of this? Thanks for any advice. I’m feeling very silly :mad:

[Deleted User]

No, you haven't lost it.

It will get returned, but make sure you make at least a minimum payment in the meantime.

Cocothecat

Thank you. I’m really worried about it and annoyed with myself. Thank you for your reply I really appreciate it.

born_again

If it had the correct sort/acc no then it will be sat in one of Aqua internal accounts. They maybe should be able to trace the payment and apply it to your account. If not they will bounce it back.
As above in mean time make min payment.

Terry_Towelling

If you have incorrectly typed just 1 digit from the 16-digit account number then it should bounce back because you need to change at least 2 numbers in an account number before you have any chance of hitting another valid account number.

Cocothecat

Thank you for your replies. I really hope it gets sorted soon. Appreciate the help. Xx

Carrot007

Terry_Towelling wrote: »

If you have incorrectly typed just 1 digit from the 16-digit account number then it should bounce back because you need to change at least 2 numbers in an account number before you have any chance of hitting another valid account number.

Ot to explain. 15 digit account number (not that it is an account number either but let's ignore that for now!) + 1 digit check number.


Hence why 1 digit changed will not be valid and even more will not unually validate unless you are unlucky.

Terry_Towelling

Carrot007 wrote: »

Ot to explain. 15 digit account number (not that it is an account number either but let's ignore that for now!) + 1 digit check number.

Hence why 1 digit changed will not be valid and even more will not unually validate unless you are unlucky.

OK, so let's call it a 16-digit card number. The first 15 are crunched with the Luhn formula in what is often referred to as a Mod 10 check. The result of this bit of arithmetic (which is actually very simple but let's ignore that for now!) will give a number (unsurprisingly). The 16th digit of your card number is then determined as whatever number is needed to increase your formula result to the next nearest number that is exactly divisible by 10.

E.g. Your number crunching gives 73, so your 16th (check) digit will be a 7.