AirBnB - Split payments between PayPal (Debit Card) and HSBC (Credit Card) / Section 75 Liability? 16 January at 6:35PM in Credit cards 9 replies 312 views

beno2k7

Good evening

I have a question relating to splitting a payment of £2000 between PayPal (via HSBC Debit Card) and a direct payment on a HSBC Credit card (relating to section 75.)

I have just paid the first half of a stay on Airbnb using the partial-payment system.

AirBnB has debited my debit card via PayPal. Due to an error on their app which sees the partial payment system always revert to the default payment method, even though I had put in my Credit Card at checkout. 

I had intended for both partial-payments to go via a direct Credit Card payment so I had Section 75 protection.

I’m sure I have heard in the past that if you pay by PayPal using a credit card there can be some liability issues.

In my case however, the first payment has been made via PayPal on a Visa Debit Card and the second will be made via a direct payment on Visa Credit Card (Not through PayPal).

Would this fall under the “As long as you pay at least £100 on the Credit card you are ok” provision?

Under section 75. Who would be liable in the event that Airbnb goes bust? Would I be able to reclaim all costs from my credit card company (HSBC)?

I want to say that’s a hypothetical scenario, but I had a friend who got caught up with Thomas Cook so just want to cover my own back.

Any advice is greatly appreciated, thanks in advance.

Thanks in advance

grumbler

beno2k7 said:

Would this fall under the “As long as you pay at least £100 on the Credit card you are ok” provision?

Under section 75. Who would be liable in the event that Airbnb goes bust? Would I be able to reclaim all costs from my credit card company (HSBC)?

There is no such thing as in your quotation marks. It's a mix of "pay at least 1p" and "cost is at least £100". 

I have a suspicion that Airbnb acts like an agent, i.e. if anything is wrong with the accomodation s75 doesn't apply whatever way you pay. However, as you pay Airbnb, if they go bust, I think you can use chargeback to claim what you paid them . Not sure about the PP part.

born_again

Who does the debit show on the card?
I would take AirBnB to be the same as say Booking.com, where you are paying them & not the actual place you are staying. Thus no debtor/creditor link.

But if they go bust you still have chargeback options.

beno2k7

born_again said:

Who does the debit show on the card?
I would take AirBnB to be the same as say Booking.com, where you are paying them & not the actual place you are staying. Thus no debtor/creditor link.

But if they go bust you still have chargeback options.

The debit card payment is prefixed with "PAYPAL *AIRBNB"

I think I am just going to pay the other half on the Credit Card and be done worrying, as far as I can tell, between AirBnB, HSBC, PayPal and Travel Insurance one of them would have to pay out. (Although I'm sure they would all try to wiggle out of it in some way)

DullGreyGuy

S75 is only going to cover you for anything that AirBnB do wrong as they are the entity you have paid. If the owner of the property does something wrong there wont be any S75 cover as you didnt pay them directly. 

[Deleted User]

Can you not just ask Airbnb to refund the PayPal transaction and debit your credit card for the whole amount? 

beno2k7

Deleted_User said:

Can you not just ask Airbnb to refund the PayPal transaction and debit your credit card for the whole amount? 

Hi, no I tried that, they said Id have to cancel and redo the booking

born_again

beno2k7 said:

born_again said:

Who does the debit show on the card?
I would take AirBnB to be the same as say Booking.com, where you are paying them & not the actual place you are staying. Thus no debtor/creditor link.

But if they go bust you still have chargeback options.

The debit card payment is prefixed with "PAYPAL *AIRBNB"

I think I am just going to pay the other half on the Credit Card and be done worrying, as far as I can tell, between AirBnB, HSBC, PayPal and Travel Insurance one of them would have to pay out. (Although I'm sure they would all try to wiggle out of it in some way)

Why are you worrying over S75. Which is not really going to cover anything Given ABNB are only a 3rd party? 

There are possible other options.

But what is your worry?

[Deleted User]

Deleted_User said:

Can you not just ask Airbnb to refund the PayPal transaction and debit your credit card for the whole amount? 

Have you tried PayPal? 

beno2k7

Deleted_User said:

Deleted_User said:

Can you not just ask Airbnb to refund the PayPal transaction and debit your credit card for the whole amount? 

Have you tried PayPal? 

AirBnB wont do anything without cancelling the booking. If I go via paypal it will also cancel the booking. AirBnB say they have no system to support refunds without cancelling my reservation which I am unwilling to do as it now secured. I have gave up trying with AirBnB. Overall, I think travel insurance should be enough in the long run. 

Thanks for your response.