Help with McDonald's Refund

born_again

Jumblebumble said:

born_again said:

molerat said:

Chargeback via your card provider.

Sadly not as will be classed a contactless payment (as was in person). No chargeback rights for non receipt.

Purely to satisfy  my own curiosity[ could you provide some evidence that this is the case with Amex.
It seems very odd that Amex would allow a company to take money up front and then not deliver contactless or not as it seems this would be a perfect vehicle for dishonest merchants  ripping off their card holders

You are approving the payment via phone. As such you are normally taking goods straight away.
As payment is via google or apple, then your recourse would be via them.

PHK

Just remember that Amex is both the issuing bank and the card network. 

The Amex chargeback scheme is completely different to Visa or Mastercard and has different reason codes. They tend to make a decision based on the information uploaded by the Amex member. 

DullGreyGuy

eskbanker said:

Jumblebumble said:

It seems very odd that Amex would allow a company to take money up front and then not deliver contactless or not as it seems this would be a perfect vehicle for dishonest merchants  ripping off their card holders

Just to add to the above post, you need to remember the roles and responsibilities of the various parties here - it's not a case of Amex 'allowing' anything, as they're simply the card issuer in this scenario.  The merchant's bank is the one which has the direct relationship with the merchant and so will have visibility of all chargeback activity, which would permit enforcement action if necessary....

AmEx are the Card Network and the Card Issuer (dont think anyone else issues AmEx these days since Lloyds pulled the plug and Harrods sold its bank). In many cases they are also the merchant services company so occupy all three positions but there are other options out there for the final seat.