Credit Card double-charged for Taxi in Spain.

Roy1234

powerful_Rogue said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

But every Company applying to MasterCard etc must jump through certain hoops to be accepted.  I've known shops freshly opened who complained they weren't yet accepted; it takes time to be trusted.  So every Company must apply with all those details at least once.  Forget about 'updating on a daily basis' for a moment, there will always be the initial application details on a database.  In very many cases, nothing will change, the Company continues trading under the same name & address.  So at the very least, they could supply those details to me.

I think we both know that if one of those companies was doing something seriously dodgy through the card network, e.g. money laundering, the authorities would be onto them in a flash.  The concept of an anonymous merchant in a first world country like Spain just isn't credible.

I could go to Sum-Up of many other similar companies and get a machine that takes card payments. How would that work on the register?

So you are saying you can use Sum-Up without some form of registration, anonymously in effect?  Have you heard of Money Laundering regulations, which monitor financial movements?  The idea that money cannot move anonymously around the globe?  This is not the People's Republic of Korea we're talking about; it's Spain

And as the card company must have an up-to-date bank account to pass the payment into, they will always have account/company name, address etc, to satisfy those and other anti-fraud financial regulations.  Nope, not remotely credible the merchant is anonymous to MasterCard.

greyteam1959

You can walk into Toolstation & get a card machine for very little money.
In fact the whole kit £159.99.

born_again

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

But every Company applying to MasterCard etc must jump through certain hoops to be accepted.  I've known shops freshly opened who complained they weren't yet accepted; it takes time to be trusted.  So every Company must apply with all those details at least once.  Forget about 'updating on a daily basis' for a moment, there will always be the initial application details on a database.  In very many cases, nothing will change, the Company continues trading under the same name & address.  So at the very least, they could supply those details to me.

I think we both know that if one of those companies was doing something seriously dodgy through the card network, e.g. money laundering, the authorities would be onto them in a flash.  The concept of an anonymous merchant in a first world country like Spain just isn't credible.

That's their merchant bank that sorts that out. But even if it was down to mastercard etc, it does not help to list every company taking payments & as @powerful_Rogue anyone can go to the likes of Sum-up (many others) & get a card reader to take payments. So it really is not as easy as it seems.

As I said great idea, & would make my role a lot easier for unrecognised transactions. But would not help in your case, as you know who they are. Just not how to contact.
For a chargeback that is not a issue as transaction is traced back through the system to retailers merchant bank, who hold all the retailers details.

powerful_Rogue

Roy1234 said:

powerful_Rogue said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

Roy1234 said:

born_again said:

If the transactions have separate authorisation codes they are not duplicated.
How much are you talking about here?

The transactions are completely identical as listed on my online statement.  The amount is about 22 euro/£20 after foreign transaction fee.

But you will not be able to see the auth code. That is something only your CC will be able to check.
Given them a call & see what they say. Ask nicely & they may refund one. 👍

I contacted the Bank as suggested.  The two transactions, with identical time stamp, have different auth codes.  So the Taxi charged me twice, separately, which was my suspicion.  I have been unable to locate the Taxi firm via google, and the Bank's customer service man said they could not.  He also tried google, as I had, without success.

I queried him as to whether no database exists to uniquely identify merchants who debit credit cards, he said 'unfortunately there isn't one'.  Really?

I'm going to have to try identifying the Taxi firm via the company I visited, my last resort, as he said they may not pursue the dispute after 15 days if I haven't done so.  Meanwhile, do we believe firms debiting the MasterCard system really cannot be identified?

Could you imagine the size... Also different countries around the world have different regulations. 
Happens a lot unrecognised retailer & there is no way to trace. 

Funny thing is, we know thanks to Edward Snowden that the emails, texts, posts and phone calls of everyone in the Western Word are recorded from cradle to grave.  But the credit card companies can't keep a database of merchant number against company's name, address, & contact details? 

Hmm... let me think about that concept for a moment...

That is for their merchant bank to keep. Not every card provider. 

Would be a good idea, but dread to think just who would administer it. Due to the number of changes each day due to new companies & ones going bust.
Even the likes of Visa/Mastercard & Amex could not do it, due to the sheer number of merchant banks around the world. All having to provide data on a daily basis to ensure it was upto date.
No individual UK bank could do it.

Visa has a database Visa Account Updater to allow retailer to collect new card details for regular payment. Which (the consumer group) has over 30 separate entries. That is massive.

But every Company applying to MasterCard etc must jump through certain hoops to be accepted.  I've known shops freshly opened who complained they weren't yet accepted; it takes time to be trusted.  So every Company must apply with all those details at least once.  Forget about 'updating on a daily basis' for a moment, there will always be the initial application details on a database.  In very many cases, nothing will change, the Company continues trading under the same name & address.  So at the very least, they could supply those details to me.

I think we both know that if one of those companies was doing something seriously dodgy through the card network, e.g. money laundering, the authorities would be onto them in a flash.  The concept of an anonymous merchant in a first world country like Spain just isn't credible.

I could go to Sum-Up of many other similar companies and get a machine that takes card payments. How would that work on the register?

So you are saying you can use Sum-Up without some form of registration, anonymously in effect?  Have you heard of Money Laundering regulations, which monitor financial movements?  The idea that money cannot move anonymously around the globe?  This is not the People's Republic of Korea we're talking about; it's Spain

And as the card company must have an up-to-date bank account to pass the payment into, they will always have account/company name, address etc, to satisfy those and other anti-fraud financial regulations.  Nope, not remotely credible the merchant is anonymous to MasterCard.

Register on the Sum-Up site, purchase the card reader and off you go. No contact with Mastercard/Visa etc.

I'm very aware of the money laundering regulations, I deal with them daily.