Forum Topics
Technical Support: $1 verification fee for a registered debit card
I'll never understand the need to charge $1 to verify a debit card that is registered for online purchases. I could use the debit to make any other purchase online and not be charged a verification fee because the card is registered for online purchases. I understand most times it's returned within 3 business days, but not always and sometimes the Debit card company takes another week to return it.
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This is a very common practice for online use ( or any other remote use, such as phone transactions).
The merchant has no other way to verify that the card is good and the numbers have been entered correctly. The nominal amount involved in the transaction should not be an actual charge to your account.
Policies on releasing the holds on those amounts are set by the card issuer/processor, not by the merchant. If you have a particularly troublesome problem with that aspect, you should consider a different card issuer. Quote
The merchant has no other way to verify that the card is good and the numbers have been entered correctly. The nominal amount involved in the transaction should not be an actual charge to your account.
Policies on releasing the holds on those amounts are set by the card issuer/processor, not by the merchant. If you have a particularly troublesome problem with that aspect, you should consider a different card issuer. Quote
not a common practice, I've used them to purchase merchandise and never had a verification charge.
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Making an actual right-then purchase is a bit different than having a payment method on file for future potential transactions.
If the card doesn’t get approved when you’re doing the purchase, the transaction ends right then and there until you provide a valid, verifiable payment.
Having a verified card on file also eliminates the need to enter the full information each time you want to conduct a transaction - also a measure which impacts potential security risks. Quote
If the card doesn’t get approved when you’re doing the purchase, the transaction ends right then and there until you provide a valid, verifiable payment.
Having a verified card on file also eliminates the need to enter the full information each time you want to conduct a transaction - also a measure which impacts potential security risks. Quote
you would be incorrect, because I have purchased credits right away and still got charged the $1
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I'll never understand the need to charge $1 to verify a debit card that is registered for online purchases.
He's right, he'll never understand.
It is very common practice, no not every company but it is common and he still wants to argue as if he knows better.
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He's right, he'll never understand.
It is very common practice, no not every company but it is common and he still wants to argue as if he knows better.
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If you’re u used a different card number than was on file, then it would be processed as registering a new card and be subject to the verification process and the token amount hold.
If this is happening when you use a card already on file, there is a glitch which you should report to customer service so the problem can be corrected.
(Also, you say you get “charged” the fee again. The ‘fee’ is actually just a hold for that amount for the period (usually about three days) the processing company waits for an actual charging document to be submitted by the merchant. If you are actually being charged this amount, again there is a glitch which should be reported.) Quote
If this is happening when you use a card already on file, there is a glitch which you should report to customer service so the problem can be corrected.
(Also, you say you get “charged” the fee again. The ‘fee’ is actually just a hold for that amount for the period (usually about three days) the processing company waits for an actual charging document to be submitted by the merchant. If you are actually being charged this amount, again there is a glitch which should be reported.) Quote
Is having $1 on hold for three days or a week REALLY that big a deal?
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Is having $1 on hold for three days or a week REALLY that big a deal?
Apparently you don't know what it's like to live in New Jersey.
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Apparently you don't know what it's like to live in New Jersey.
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Having trouble with rebills and some info oddly changed in info entry fields. All my auto bills that went thru before are being denied and I have to re-enter.
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