Cancellations

Posted on 12/03/2023 16:03 by Tinwheeler

We’ve discussed the holding of card details before and concluded it's perfectly OK providing the cardholder gives permission and the regs are complied with. After all, Amazon, PayPal and numerous other organisations are able to do it.

Posted on 12/03/2023 13:33 by moulesy

Yes, I agree about paying on line, but I meant day to day spending, the weekly food shop, fuelling the car etc. Can't really see any advantage of a credit card over a debit card for that sort of thing, given the low interest rate on savings/current accounts.

Posted on 13/03/2023 02:30 by GEandGJE

Very true but those organisations have the secure infrastructure in place too complie with PCI DSS. Smaller organisations like CAMC will use a card payment provider, like World Pay, to process card payments on their behalf. In practice that means when you are making a booking you are on the CAMC system, when you press the pay button you are automatically transferred to World Pays system where you enter your card details, you then get transferred back to the CAMC system which is told if the payment was successful or not. So at no time does the club see or hold your card details.

Posted on 12/03/2023 13:33 by moulesy

Yes, I agree about paying on line, but I meant day to day spending, the weekly food shop, fuelling the car etc. Can't really see any advantage of a credit card over a debit card for that sort of thing, given the low interest rate on savings/current accounts.

Posted on 13/03/2023 08:14 by brue

CAMC is quite a large multi million pound organisation which has to comply with financial services.

Posted on 13/03/2023 02:30 by GEandGJE

Very true but those organisations have the secure infrastructure in place too complie with PCI DSS. Smaller organisations like CAMC will use a card payment provider, like World Pay, to process card payments on their behalf. In practice that means when you are making a booking you are on the CAMC system, when you press the pay button you are automatically transferred to World Pays system where you enter your card details, you then get transferred back to the CAMC system which is told if the payment was successful or not. So at no time does the club see or hold your card details.

Posted on 13/03/2023 08:48 by brue

What I meant was CAMC have got beyond keeping subs in a biscuit tin. 

Posted on 13/03/2023 08:27 by

I agree payments of up to £100 are best made with a debit card as if needed one can take advantage of the Debit Card Chargeback Scheme; assuming your bank is a participant that is.

Payment of £100 or over are best made with a credit card as you can then if needed take advantage of Section 75 of the Consumer Credit Act. 

Posted on 13/03/2023 08:54 by Tinwheeler

Chargeback can also be used when paying sums under £100 by credit card.

https://www.visa.co.uk/how-you-pay-matters/chargeback-purchase-disputes.html