Merchant lied!

Voyager2002

I needed to make a payment to a merchant whom I suspected was dodgy, so I wanted the extra protection of paying by credit card. He told me that he accepted this form of payment, and provided a link for me to use. The link was from Monzo and I read it carefully before making the payment.

Now it transpires that the payment I made was treated as a cash advance (there was nothing on the link to tell me this) and so I have no protection. And yes, the merchant has wrongly held on to more than £100 of my money.

Do I have any redress, either against the card provider or against Monzo for failing to provide the crucial information?

born_again

Voyager2002 said:

I needed to make a payment to a merchant whom I suspected was dodgy, so I wanted the extra protection of paying by credit card. He told me that he accepted this form of payment, and provided a link for me to use. The link was from Monzo and I read it carefully before making the payment.

Now it transpires that the payment I made was treated as a cash advance (there was nothing on the link to tell me this) and so I have no protection. And yes, the merchant has wrongly held on to more than £100 of my money.

Do I have any redress, either against the card provider or against Monzo for failing to provide the crucial information?

What information was on the link?

Voyager2002

born_again said:

Voyager2002 said:

I needed to make a payment to a merchant whom I suspected was dodgy, so I wanted the extra protection of paying by credit card. He told me that he accepted this form of payment, and provided a link for me to use. The link was from Monzo and I read it carefully before making the payment.

Now it transpires that the payment I made was treated as a cash advance (there was nothing on the link to tell me this) and so I have no protection. And yes, the merchant has wrongly held on to more than £100 of my money.

Do I have any redress, either against the card provider or against Monzo for failing to provide the crucial information?

What information was on the link?

Confirmation of the name of the payee and the amount to be paid.

MrFrugalFever

Merchants are not required to disclose their merchant category codes and if they did, it would be up to the credit card lender to determine if that falls within their 'cash-like-transactions' categories.

Depending on the nature of the business and reasons for payment you could have a couple of options for redress or absolutely none at all. 

born_again

Voyager2002 said:

born_again said:

Voyager2002 said:

I needed to make a payment to a merchant whom I suspected was dodgy, so I wanted the extra protection of paying by credit card. He told me that he accepted this form of payment, and provided a link for me to use. The link was from Monzo and I read it carefully before making the payment.

Now it transpires that the payment I made was treated as a cash advance (there was nothing on the link to tell me this) and so I have no protection. And yes, the merchant has wrongly held on to more than £100 of my money.

Do I have any redress, either against the card provider or against Monzo for failing to provide the crucial information?

What information was on the link?

Confirmation of the name of the payee and the amount to be paid.

So what details did you enter?
Did you have to login to your account to make payment?

eddddy

Is this the service you used? https://monzo.com/help/business-getpaid/business-getpaid-stripecardpayments/

If so, Monzo are using Stripe to process payments, and the page linked above says you can raise a dispute with Stripe (presumably if the recipient has breached the agreement).


But I've no idea about Stripe's attitude to disputes.

Voyager2002

MrFrugalFever said:

Merchants are not required to disclose their merchant category codes and if they did, it would be up to the credit card lender to determine if that falls within their 'cash-like-transactions' categories.

Depending on the nature of the business and reasons for payment you could have a couple of options for redress or absolutely none at all. 

Everything happened in Spain.

The transaction was for the returnable deposit on accommodation, a deposit that the merchant 'forgot' to return.

Hoenir

Voyager2002 said:

MrFrugalFever said:

Merchants are not required to disclose their merchant category codes and if they did, it would be up to the credit card lender to determine if that falls within their 'cash-like-transactions' categories.

Depending on the nature of the business and reasons for payment you could have a couple of options for redress or absolutely none at all. 

Everything happened in Spain.

The transaction was for the returnable deposit on accommodation, a deposit that the merchant 'forgot' to return.

Then it was for all intents and purposes a "cash" transaction.