Unidentified Credit Card Charges

wolfysmith

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

born_again

wolfysmith said:

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

All they can go by is what retailer lists.
Best bet as said a vending machine or storage for a item (mobile phone locker?), so could be in gym, nightclub or any other such place & maybe a few days or more earlier.

https://signup.nyxapp.net/EmhhAgi7


If you have your card, then odds on it's something you have bought.

DullGreyGuy

born_again said:

wolfysmith said:

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

All they can go by is what retailer lists.
Best bet as said a vending machine or storage for a item (mobile phone locker?), so could be in gym, nightclub or any other such place & maybe a few days or more earlier.

https://signup.nyxapp.net/EmhhAgi7

If you have your card, then odds on it's something you have bought.

Thats for a nightclub in Sunderland I believe.

For a start, where were you on the date of the transaction or the day before? What were you up to? 

Your bank should give you what information they have which is generally not a great deal as all they get is brief info from the company's merchant bank. 

WeggieUK

I was looking at my Credit Card statement trying to work out what the payment to nyx*vibxgrouplimited related too, and a Google showed this thread as a result.

The first post was extremely helpful in identifying that it may be a vending machine, so thought I would comment to help anyone else searching for an answer.

Mine was for a Japanese candy floss machine at Kingston, Milton Keynes when we visited a while back. Feel sorry for any vendors using them as a payment provider and getting chargeback requests due to people not being able to identify or remember the transaction.

born_again

WeggieUK said:

I was looking at my Credit Card statement trying to work out what the payment to nyx*vibxgrouplimited related too, and a Google showed this thread as a result.

The first post was extremely helpful in identifying that it may be a vending machine, so thought I would comment to help anyone else searching for an answer.

Mine was for a Japanese candy floss machine at Kingston, Milton Keynes when we visited a while back. Feel sorry for any vendors using them as a payment provider and getting chargeback requests due to people not being able to identify or remember the transaction.

These payments will be contactless. As such there is no chargeback on them.

sausage_time

born_again said:

WeggieUK said:

I was looking at my Credit Card statement trying to work out what the payment to nyx*vibxgrouplimited related too, and a Google showed this thread as a result.

The first post was extremely helpful in identifying that it may be a vending machine, so thought I would comment to help anyone else searching for an answer.

Mine was for a Japanese candy floss machine at Kingston, Milton Keynes when we visited a while back. Feel sorry for any vendors using them as a payment provider and getting chargeback requests due to people not being able to identify or remember the transaction.

These payments will be contactless. As such there is no chargeback on them.

I was not aware of that, and can't seem to find a reference on-line.  Can you provide a link?

born_again

Contactless are treated in the same as as PIN transactions. As card has to be present to make the transaction. Especially when customer confirms card in their possession.

So same as PIN, no chargeback rights.
VISA do not publish online, Mastercard do I think, publish their regs.

sausage_time

born_again said:

Contactless are treated in the same as as PIN transactions. As card has to be present to make the transaction. Especially when customer confirms card in their possession.

So same as PIN, no chargeback rights.
VISA do not publish online, Mastercard do I think, publish their regs.

Are you saying Chip+PIN does not qualify for Chargeback rights either?  That does not seem correct to me.  What if the goods you buy are faulty or turn out to be counterfeit and the retailer won't help? 

See "What you need to provide" from (my highlight)

https://www.ukfinance.org.uk/our-expertise/cards/chargeback-and-section-75

... the date you paid the money and how you paid it (e.g. in store, over the phone, or online....

DullGreyGuy

sausage_time said:

born_again said:

Contactless are treated in the same as as PIN transactions. As card has to be present to make the transaction. Especially when customer confirms card in their possession.

So same as PIN, no chargeback rights.
VISA do not publish online, Mastercard do I think, publish their regs.

Are you saying Chip+PIN does not qualify for Chargeback rights either?  That does not seem correct to me.  What if the goods you buy are faulty or turn out to be counterfeit and the retailer won't help? 

See "What you need to provide" from (my highlight)

https://www.ukfinance.org.uk/our-expertise/cards/chargeback-and-section-75

Chargeback isnt a right in any circumstances. 

No, chargebacks can be used in certain circumstances if paid by chip & pin but not a generic "I dont recognise the transaction" as you'd need to explain how someone got your card and pin

born_again

sausage_time said:

born_again said:

Contactless are treated in the same as as PIN transactions. As card has to be present to make the transaction. Especially when customer confirms card in their possession.

So same as PIN, no chargeback rights.
VISA do not publish online, Mastercard do I think, publish their regs.

Are you saying Chip+PIN does not qualify for Chargeback rights either?  That does not seem correct to me.  What if the goods you buy are faulty or turn out to be counterfeit and the retailer won't help? 

See "What you need to provide" from (my highlight)

https://www.ukfinance.org.uk/our-expertise/cards/chargeback-and-section-75

... the date you paid the money and how you paid it (e.g. in store, over the phone, or online....

There are some cases where PIN could be disputed (never done or seen one done in decades), but as they are in person purchases, people go back to, or are directed back to retailer to resolve.
Something you can see from transaction details.

Main reason people would call on PIN or contactless is, such as this thread. They do not recognise the transaction.
Contrary to belief, there is no unrecognised transaction chargeback. The nearest is fraud. But as people still have their card, that is highly unlikely to happen.
Can't even request a voucher from retailer on the transaction. As they are in person payments. Visa/Mastercard take the stance it is up to customer to remember how they spend their money.