Section 75 CCA 1974 - Don't understand why Amazon payments is excluded

gbhxu

With Apple Pay and Google Pay being third party payments services, why are they covered by Section 75 and not Amazon Payments?

eskbanker

Have you had a claim rejected, and if so, by whom and on what specific grounds?

DullGreyGuy

gbhxu said:

With Apple Pay and Google Pay being third party payments services, why are they covered by Section 75 and not Amazon Payments?

With ApplePay and GooglePay the money goes direct from your creditor to the suppliers merchant bank, doesn't pass through Apple/Google's hands so doesn't introduce another party to the transaction. 

AmazonPay is like PayPal where the money is actually paid to Amazon initially and then paid on to the Supplier. 

S75 requires there to be an unbroken triangle between Debtor, Creditor, Supplier. The House of Lords (as the predecessor of the Supreme Court) determined that the supplier's merchant account provider doesn't break it but there has been no similar ruling for other intermediaries like PayPal and Amazon. 

gbhxu

eskbanker said:

Have you had a claim rejected, and if so, by whom and on what specific grounds?

Brought a phone in Jan 2033 from Amazon Marketplace seller which is now faulty.
Tried to claim against Pulse card
Did not know it was from an Amazon Marketplace Seller because the phone was delivered by Amazon

DullGreyGuy

For future reference its very easy to see on the Amazon site/app as per the side panel:

Nasqueron

I believe the principle is that google and apple pay are simply payment processors - they just stored your card and pass it onto the retailer when making payment. With yours you bought from a third party seller who uses the amazon platform to sell - akin to a travel agent selling you a ticket - they did more than just pass on details.