Continuous charge authority on debit cards

Without a hint of irony, Maerko astounded uk.finance on 07 Sep 2004 by announcing:

Yes. With a DD you must give bank details, sign the DD form and receive a copy of the DD Guarantee so it's a *really* inattentive person who doesn't realise they've signed a DD. With a CCA it may be less obvious but it should still be in plain sight that that's what you're signing up to.

The card issuing company must be able to identify them. There have already been previous transactions from that merchant charged to your account, so there must be sufficient information there to add to a 'watch-list' to match future transactions against.

Chris

Without a hint of irony, Chris Blunt astounded uk.finance on 08 Sep 2004 by announcing:

Why? They are the customer of their acquirer, not the issuer.

And it is this 'watch-list' that would need implementing, requiring a system change.

What has that got to do with it? They've processed a transaction from the company previously, so they must be able to identify another transaction from that same merchant at a later date. Even with just the basic information that appears on the statement of account it should be possible to achieve that. eg decline all authorisation requests originating from "AMAZON.CO.UK". I'm sure there must be other reference data that gets passed along with the authorisation request to enable them to more specifically identify a company.

Ah, so they *could* do it after all.

Without a hint of irony, Chris Blunt astounded uk.finance on 08 Sep 2004 by announcing:

That wasn't in dispute. Your question was "Why would it require issuers worldwide to change their processing systems?"

It was. That was because you seemed to be implying that no individual credit card company could possibly implement such a system unless every other card company worldwide changed their systems. That was the issue that I was doubting.

Chris

Even if "I" have revoked that authorisation and told my card issuer so ?

Without a hint of irony, "Rhoy the Bhoy" astounded uk.finance on 10 Sep 2004 by announcing:

Your card issuer currently has no means of preventing the authorisation since their systems do not support such a check. The one thing they can do is record your communication and use it to support a chargeback after the event.