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  • FIRST POST
    • kaz13
    • By kaz13 11th Jan 18, 10:00 PM
    • 32Posts
    • 204Thanks
    kaz13
    How long can a business take to process a debit card payment ?
    • #1
    • 11th Jan 18, 10:00 PM
    How long can a business take to process a debit card payment ? 11th Jan 18 at 10:00 PM
    Hi all, we have just bought a car, my husband went to the garage last Saturday, and the garage rang me up st home, so I could pay a deposit on my debit card, then when my husband returned home, I paid the balance through the bank.
    He had been today to collect the car, but upto now, the deposit amount that was on my debit card, hadn't gone through the bank !
    How long will the garage have to process this ?
Page 1
    • d123
    • By d123 11th Jan 18, 10:19 PM
    • 7,218 Posts
    • 4,658 Thanks
    d123
    • #2
    • 11th Jan 18, 10:19 PM
    • #2
    • 11th Jan 18, 10:19 PM
    I!!!8217;ve seen threads where people say it!!!8217;s supposed to be around a week, but that the retailer can process the transaction up to 6 months later.
    ====
    • ceredigion
    • By ceredigion 11th Jan 18, 11:05 PM
    • 2,748 Posts
    • 3,657 Thanks
    ceredigion
    • #3
    • 11th Jan 18, 11:05 PM
    • #3
    • 11th Jan 18, 11:05 PM
    Iíve seen threads where people say itís supposed to be around a week, but that the retailer can process the transaction up to 6 months later.
    Originally posted by d123


    6 years
    ......
    • d123
    • By d123 11th Jan 18, 11:42 PM
    • 7,218 Posts
    • 4,658 Thanks
    d123
    • #4
    • 11th Jan 18, 11:42 PM
    • #4
    • 11th Jan 18, 11:42 PM
    6 years
    ......
    Originally posted by ceredigion
    Talking about how long they can claim the debit card authorisation, rather than how long the debt it enforceable.

    The banks seem to have an absolute max for a debit card transaction to process, if it is bounced by the bank you are of course still liable for the 6 year period (which is a different thing to the question asked imo).
    ====
    • kaz13
    • By kaz13 12th Jan 18, 7:22 AM
    • 32 Posts
    • 204 Thanks
    kaz13
    • #5
    • 12th Jan 18, 7:22 AM
    • #5
    • 12th Jan 18, 7:22 AM
    I paid £1000 deposit, but it hasn't left my bank account as yet, I don't like the money being there, if it's not mine, I'd rather it leave. Thanks for your replies, I will keep checking, I thought they would have processed it before we collected the car !
    • StokieBecks
    • By StokieBecks 12th Jan 18, 8:31 AM
    • 4,534 Posts
    • 27,287 Thanks
    StokieBecks
    • #6
    • 12th Jan 18, 8:31 AM
    • #6
    • 12th Jan 18, 8:31 AM
    Ring them and ask them. Could be they inputted one number wrong or something and haven't actually taken it
    • agrinnall
    • By agrinnall 12th Jan 18, 9:42 AM
    • 20,326 Posts
    • 16,083 Thanks
    agrinnall
    • #7
    • 12th Jan 18, 9:42 AM
    • #7
    • 12th Jan 18, 9:42 AM
    As already stated, the transaction is valid for 6 months without needing to contact you, after that they have up to 6 years to enforce the debt but they should contact you first to advise that they are taking the money from your card.

    I would call them once to say that the payment is still outstanding, but it's then up to them to actually do something about it.
    • badger09
    • By badger09 12th Jan 18, 11:41 AM
    • 6,002 Posts
    • 5,355 Thanks
    badger09
    • #8
    • 12th Jan 18, 11:41 AM
    • #8
    • 12th Jan 18, 11:41 AM
    Some of my debit card payments are paid or reserved instantly, whereas others usually take 2 - 3 days to appear.

    I think depends on how soon the payee processes payments.
    • Westie983
    • By Westie983 16th Jan 18, 4:05 AM
    • 4,355 Posts
    • 14,910 Thanks
    Westie983
    • #9
    • 16th Jan 18, 4:05 AM
    • #9
    • 16th Jan 18, 4:05 AM
    Can take up to six months, but more likely to be within 10 working days.

    I have had payments come out months after I have spent the money so its not a hard and fast rule, and I keep a budget of what I have spent, so I know the money is already earmarked for something.

    You may find that the money has already been earmarked from their side and its just doesn't show on your side but you wouldn't be able to spend the money again as its already been earmarked (although you can see it) I cant see them letting the car go without knowledge that the payment has been processed.

    Westie983
    Save 12k in 2018 #10 Total (£25,000)+£10,000/£12,000 = 83.33%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £40/£500 = 8.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £62.59/£365 = 17.14%
    Virtual Sealed Pot #1 Total £900/£1,000 = 90.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-480/£2,000 = 51.00%

    Total £12,022.59/£15,865 = 75.78%

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