text obsolete please remove

WillPS

[Deleted User] said:

WillPS said:

[Deleted User] said:

WillPS said:

[Deleted User] said:

Vortigern said:

You can link a Curve card to your Barclaycard and use the Curve card on Google Pay. Effectively giving you Barclaycard purchases on Google Pay.

A workaround but not full protection. 

Effectivly zero S75 cover and any chargebacks go via Curve and their customer service isn't always great. 

You get equally little S75 cover with any payment under £100 via Google Pay.

No.

One party has the incentive to retain custom. The other doesn't. 

Curve will be making a loss on the transaction by getting debit interchange whilst paying credit interchange and doing unpaid admin at every point of the chargeback going forward.

Barclaycard will have the potential for lending money, cross selling and further interchange to make a profit.

 

I agree with every word you've written, but I don't know what it has to do with my point about payments under £100 not benefitting from S75...

Chargeback is ultimately a service - a profitable company and one that wants an ongoing relationship has more impetus to perform than a loss making company 😉

Curve obviously don't intend to be a loss making company, but you're totally right that customer service standards are an important factor. Again, I'd counter that the sort of transactions I authorise via contactless (any sort) are less likely by their nature to be subject to a later dispute - but of course it's a consideration.

grumbler

[Deleted User] said:

WillPS said:

[Deleted User] said:

WillPS said:

[Deleted User] said:

Vortigern said:

You can link a Curve card to your Barclaycard and use the Curve card on Google Pay. Effectively giving you Barclaycard purchases on Google Pay.

A workaround but not full protection. 

Effectivly zero S75 cover and any chargebacks go via Curve and their customer service isn't always great. 

You get equally little S75 cover with any payment under £100 via Google Pay.

No.

One party has the incentive to retain custom. The other doesn't. 

Curve will be making a loss on the transaction by getting debit interchange whilst paying credit interchange and doing unpaid admin at every point of the chargeback going forward.

Barclaycard will have the potential for lending money, cross selling and further interchange to make a profit.

 

I agree with every word you've written, but I don't know what it has to do with my point about payments under £100 not benefitting from S75...

Chargeback is ultimately a service - a profitable company and one that wants an ongoing relationship has more impetus to perform than a loss making company 😉

It's Visa/Mastercard rule/requirement imposed by them on card providers regardless of their profitability. The only question is how this rule applies to companies like Curve.