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  • FIRST POST
    • MSE Sarah
    • By MSE Sarah 14th Jan 20, 2:48 PM
    • 217Posts
    • 99Thanks
    MSE Sarah
    0 WOW
    Money Moral Dilemma: Should I have refused to pay again for my shopping?
    • #1
    • 14th Jan 20, 2:48 PM
    0 WOW
    Money Moral Dilemma: Should I have refused to pay again for my shopping? 14th Jan 20 at 2:48 PM
    This week's MoneySaver who wants advice asks...

    I paid for lunch at a supermarket self-service till by scanning its payment app, so it automatically charges my credit card and awards me loyalty points. I got the usual instant notifications (from that app and my credit card app) that the payment went through - but the till said it didn't. I alerted staff who insisted I pay again and told me I'd get an automatic refund if there was a double charge. I paid again, but should I have kicked up more of a fuss?

    Unfortunately the MSE team can't always answer money moral dilemma questions as contributions are often emailed in or suggested in person. They are intended to be enjoyed as a point of debate and discussed at face value.

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Page 3
    • pennyforthem
    • By pennyforthem 15th Jan 20, 8:54 PM
    • 114 Posts
    • 75 Thanks
    pennyforthem
    I have not got a clue but if you had used cash you would never have had this problem.
    • Cefca
    • By Cefca 16th Jan 20, 2:55 AM
    • 58 Posts
    • 306 Thanks
    Cefca
    A notification on an app is not proof you've paid. If the till says you haven't paid, then 9.9 times out of 10 you haven't paid.
    • Pollycat
    • By Pollycat 16th Jan 20, 8:23 AM
    • 24,514 Posts
    • 65,925 Thanks
    Pollycat
    A notification on an app is not proof you've paid.
    If the till says you haven't paid, then 9.9 times out of 10 you haven't paid.
    Originally posted by Cefca
    Interesting.
    Do you have anything that backs that up?
    • soldierboy001
    • By soldierboy001 16th Jan 20, 1:01 PM
    • 13 Posts
    • 9 Thanks
    soldierboy001
    A child is not in the know
    Yes but children are still in the learning stage but also I thought you had to be 16+ to have a card of any type.
    • Don Two
    • By Don Two 16th Jan 20, 1:11 PM
    • 28 Posts
    • 67 Thanks
    Don Two
    Yes but children are still in the learning stage but also I thought you had to be 16+ to have a card of any type.
    Originally posted by soldierboy001
    No, some banks allow children as young as eleven to have an account and a debit card.
    • chimneyman
    • By chimneyman 16th Jan 20, 1:55 PM
    • 9 Posts
    • 5 Thanks
    chimneyman
    A notification on an app is not proof you've paid. If the till says you haven't paid, then 9.9 times out of 10 you haven't paid.
    Originally posted by Cefca
    I think you have highlighted the real point of the original question.

    Electronic payments are becoming more and more attractive to banks and retailers alike and, simultaneously, paper transactions and receipts are becoming less and less attractive.

    Online shopping never offers a paper receipt - the electronic record and the email acknowledgement is all you get. If retailers are serious about persuading their customers to pay electronically, then they need to begin to phase out conventional tills and paper receipts - they need to make it seriously more convenient to pay electronically. They also need to accept that an electronic record of a completed transaction is as good a proof of payment as a till-printed receipt.

    For me, the potential disadvantage of not getting a printed (and itemised) receipt is that I might be unable to check the individual prices which I have been charged. The electronic record of the transaction would have to include an itemised breakdown of the bill as well as a simple total of the amount paid.
    • crmism
    • By crmism 17th Jan 20, 3:28 PM
    • 185 Posts
    • 102 Thanks
    crmism
    Lunch
    You should have insisted upon speaking to someone in authority, as there's evidently some processing fault in the self-service machine. The best thing you can do is kick up a fuss at the supermarket's HQ, providing it with evidence from your smartphone apps. Personally, I don't trust these gismos as a lot of them don't work.

    Next time, you might want to consider paying for your lunch using your credit card or cash. Both will give you proof of payment with no hassle.
    • od244051
    • By od244051 17th Jan 20, 9:38 PM
    • 148 Posts
    • 216 Thanks
    od244051
    About six years ago, it happened at a Sainsburys manned till. The payment declined and tried again and it accepted. I paid by credit card as had a money off coupon and it was a fuel promo at the time. The date of the transaction happened two days after my current bill was produced. So didn't get to know about the double payment until 5 weeks after the shop. As didn't buy clothing, electrical products and any other product which I keep the receipt for, I binned it.

    Sainsburys have a system where they can reproduce receipts for examples such as the above. They ask you to come back later with proof of the double payment and they will refund you.

    This till was charging double for some customers during that day. Some knew the following day. They couldn't find a pattern - type of card, certain banks etc
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