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  • FIRST POST
    • MSE Callum
    • By MSE Callum 26th Nov 19, 4:23 PM
    • 630Posts
    • 197Thanks
    MSE Callum
    Curve 'all-in-one' debit card to charge 1.5% fee for HMRC payments - MSE News
    • #1
    • 26th Nov 19, 4:23 PM
    Curve 'all-in-one' debit card to charge 1.5% fee for HMRC payments - MSE News 26th Nov 19 at 4:23 PM
    'All-in-one' debit card service Curve is to close a loophole which essentially allowed customers to make payments to HMRC using a personal credit card – even though the taxman doesn't usually accept them...
    Read the full story:
    'Curve 'all-in-one' debit card to charge 1.5% fee for HMRC payments'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
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Page 1
    • gt94sss2
    • By gt94sss2 26th Nov 19, 6:14 PM
    • 4,326 Posts
    • 2,049 Thanks
    gt94sss2
    • #2
    • 26th Nov 19, 6:14 PM
    • #2
    • 26th Nov 19, 6:14 PM
    It's not a loophole - this facility was advertised as Curve's main USP.

    If it was a loophole, then they wouldn't still be planning to allow their Metal Card holders to do it.

    It would be good if MSE took them to task as they appear to be breaking the law by charging a surcharge for using a debit card when making payment which has been against the law since 2018 - even though Curve claim this isn't the case.
    • jonam.forum
    • By jonam.forum 26th Nov 19, 8:40 PM
    • 4 Posts
    • 0 Thanks
    jonam.forum
    • #3
    • 26th Nov 19, 8:40 PM
    With a hidden privacy policy update
    • #3
    • 26th Nov 19, 8:40 PM
    Hidden in the email was also a notification that they are amending the privacy policy in 15 days to share more information with other companies, but no details and no link to the new policy.
    That makes me smell hiding sneaky news on privacy
    • born again
    • By born again 26th Nov 19, 8:59 PM
    • 1,318 Posts
    • 725 Thanks
    born again
    • #4
    • 26th Nov 19, 8:59 PM
    • #4
    • 26th Nov 19, 8:59 PM
    It would be good if MSE took them to task as they appear to be breaking the law by charging a surcharge for using a debit card when making payment which has been against the law since 2018 - even though Curve claim this isn't the case.
    Originally posted by gt94sss2
    MSE are not a regulator.

    If you feel its against that rule. Then report them to the Trading Standards who will have the power to take civil enforcement action against traders who breach the regulations.

    Today’s ban means that it will be unlawful for retailers to charge additional fees when someone uses a particular credit or debit card, or other payment systems like PayPal, to make a purchase. This will ensure consumers can be confident that there won’t be any nasty surprises, and they won’t be penalised for wanting to pay in a particular way.

    In the vast majority of other circumstances surcharges are capped at the cost to the retailer for processing the payment
    Wonder if Curve think as they are not a retailer. It is OK to surcharge. Or they are being charged by the CC co's.
    Last edited by born again; 26-11-2019 at 9:04 PM.
    • Fingerbobs
    • By Fingerbobs 26th Nov 19, 9:24 PM
    • 853 Posts
    • 368 Thanks
    Fingerbobs
    • #5
    • 26th Nov 19, 9:24 PM
    • #5
    • 26th Nov 19, 9:24 PM
    Wonder if Curve think as they are not a retailer. It is OK to surcharge. Or they are being charged by the CC co's.
    Originally posted by born again
    I think you've hit the nail on the head there. It's Curve who is charging the fee, not the "retailer".
    • Douglas P
    • By Douglas P 26th Nov 19, 10:29 PM
    • 15 Posts
    • 11 Thanks
    Douglas P
    • #6
    • 26th Nov 19, 10:29 PM
    • #6
    • 26th Nov 19, 10:29 PM
    They are not closing anything. They are leaving the option open just as wide but will charge for using it.


    HMRC's payment processor will still see it as debit card transaction and charge accordingly.


    Curve want to earn some money and see this as an opportunity. They interpret the rules in a way that allows them to charge for this service. No-one else offers an equivalent of the Curve card that I'm aware of so they have no competition.


    I understand Curve wanting to cover their costs but I'd be more sympathetic if they were passing on the fee incurred from processing my credit card.
    • born again
    • By born again 27th Nov 19, 2:11 PM
    • 1,318 Posts
    • 725 Thanks
    born again
    • #7
    • 27th Nov 19, 2:11 PM
    • #7
    • 27th Nov 19, 2:11 PM

    HMRC's payment processor will still see it as debit card transaction and charge accordingly.
    Originally posted by Douglas P
    Do HMRC charge any different for Credit or Debit? If so then they are breaking the regulation.

    The issue will be that when a CC is linked to the curve card. Curve get charged more for the transaction.
    So they are simply covering their costs.

    TBH. I can see this type of card disappearing from the marketplace soon.
    • SnowTiger
    • By SnowTiger 27th Nov 19, 2:43 PM
    • 4,011 Posts
    • 2,981 Thanks
    SnowTiger
    • #8
    • 27th Nov 19, 2:43 PM
    • #8
    • 27th Nov 19, 2:43 PM
    It would be good if MSE took them to task as they appear to be breaking the law by charging a surcharge for using a debit card when making payment which has been against the law since 2018 - even though Curve claim this isn't the case.
    Originally posted by gt94sss2
    MSE are not a regulator.
    Originally posted by born again
    I don't think anyone said it is.

    However, MSE claims to employ journalists fighting our corner.

    Taking to task; fighting your corner. These phrases have a similar meaning.

    MSE describes itself as:

    MoneySavingExpert.com is the UK's biggest consumer website, with about 16 million users a month. The site's dedicated to cutting your bills and fighting your corner with journalistic research, cutting-edge tools and a massive community – all focused on finding deals, saving cash and campaigning for financial justice.
    Wonder if Curve think as they are not a retailer. It is OK to surcharge. Or they are being charged by the CC co's.
    Originally posted by gt94sss2
    Anyone who uses a Curve card and checks their bank and credit card statements will know translation payment are made to Curve.

    Curve is like a middle man, similar to PayPal.

    I think Curve can refuse to accept credit cards, however I don't think it can choose to charge credit card users a fee.
    Last edited by SnowTiger; 27-11-2019 at 2:46 PM.
    • boo_star
    • By boo_star 27th Nov 19, 2:53 PM
    • 2,990 Posts
    • 2,336 Thanks
    boo_star
    • #9
    • 27th Nov 19, 2:53 PM
    • #9
    • 27th Nov 19, 2:53 PM
    Do HMRC charge any different for Credit or Debit? If so then they are breaking the regulation.
    Originally posted by born again
    They don't take personal credit cards. They only accept corporate cards to which the legislation does not apply.
    • crumpetman
    • By crumpetman 27th Nov 19, 5:28 PM
    • 327 Posts
    • 614 Thanks
    crumpetman
    Curve is the card issuer, not a merchant or retailer. Think of it like having a Barclays credit card and you deposit funds at a gambling website, you will probably incur a fee from Barclays by using your credit card for a cash/financial transaction.
    • gt94sss2
    • By gt94sss2 27th Nov 19, 6:13 PM
    • 4,326 Posts
    • 2,049 Thanks
    gt94sss2
    Technically, you’re paying Curve who then pay the original merchant - so a two step process more like PayPal (as snowtiger mentions above) rather than a traditional card issuer.

    My understanding is that the regulations banning fees in the UK also cover organisations/payment models like PayPal (so go beyond the original EU regulations)
    • SnowTiger
    • By SnowTiger 27th Nov 19, 6:16 PM
    • 4,011 Posts
    • 2,981 Thanks
    SnowTiger
    Curve is the card issuer, not a merchant or retailer. Think of it like having a Barclays credit card and you deposit funds at a gambling website, you will probably incur a fee from Barclays by using your credit card for a cash/financial transaction.
    Originally posted by crumpetman
    As far as the underlying card is concerned Curve is a merchant.

    Curve seems to work as both the card issuer and a merchant.
    • femalemonarchfemalecanine
    • By femalemonarchfemalecanine 28th Nov 19, 1:26 PM
    • 46 Posts
    • 151 Thanks
    femalemonarchfemalecanine
    Do HMRC charge any different for Credit or Debit? If so then they are breaking the regulation.

    The issue will be that when a CC is linked to the curve card. Curve get charged more for the transaction.
    So they are simply covering their costs.

    TBH. I can see this type of card disappearing from the marketplace soon.
    Originally posted by born again
    HMRC can't pay a transaction fee - it could only be paid for out of public money as they are not allowed to charge the fee to the card holder; hence they don't accept credit cards
    excuse the username, what I wanted wasn't allowed. It's just a song title...
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