1. Home
  2. UK Finance Discussions
  3. Disputing Chip + Pin transactions

Disputing Chip + Pin transactions

OK, before chip and PIN when I went into a shop and used my credit or debit card I would have to sign a piece of paper to show that I've authorised that payment. I've always been safe in the knowledge that if the cashier accepted the transaction and I decided not to sign I could always dispute it with my bank and the money would be refunded because there would be no signature.

Now, I went into my supermarket to buy some goods. When I put my card in the slot all that was displayed on screen was "Enter PIN and press ENTER", there was no total amount. So I put my PIN in, a few seconds later the till draw opens and the cashier takes about £30 of cash out the till, at first I thought she must have misheard me when I said I wanted no cashback. She didn't give me the money, she just put it to one side.

So, I checked my reciept but there was no cashback listed so she must have took the money out for some other reason. But it got me thinking, what if she had rung £30 cashback through the till and put the money in her own pocket after I left. I would have had no way of knowing what she'd done until after I'd approved it with my PIN and after that it might be too late. If I didn't check my reciept until I got home it would almost certainly be too late.

I don't know about other till systems but the one I've used expects you to approve a transaction without telling you the amount, for all I know I could be giving them permission to take £10,000 out my account. This hasn't happened to me but if it did, what chance would I have of getting their money back?

Reply to
Marx Peterson
Loading thread data ...

f*ck all. We had all better start keeping detailed diaries of where we were every day because if there is an error or fraud and they say you have made a transaction, we are screwed. Unlike the tv ads, C&P isnt for our benefit, its for the banks. For years they have been content to let fraud and errors go by because their cost was small compared to the cost of implementing a safe transaction system. Now that is no longer the case, they are implementing C&P, t protect themselves. We were already protected.

Reply to
Tumbleweed

Which Supermarket? Where I shop the total IS on the card reader display - as it is a requirements of Chip & PIN.

Reply to
Si

Without a hint of irony, "Si" astounded uk.finance on

17 Jun 2004 by announcing:

No it's not. It's a recommendation.

Reply to
Alex

"Alex" wrote

Well, in that case all shoppers should boycott the stores/retailers which use the ones which don't show the total being authorised. After all, who in their right mind is going to authorise a transaction for an amount which isn't confirmed until afterwards?

After losing most of their (credit card) custom, the retailers ought to quickly upgrade the PIN pads to show the totals being authorised ...

Reply to
Tim

Without a hint of irony, "Tim" astounded uk.finance on 18 Jun 2004 by announcing:

It is, however, a requirement (nothing to do with EMV) that the customer is told how much the transaction is before paying for it - normally with some sort of customer-facing readout. Most retailers have such a readout already

- are you saying it's too much effort to look up from the PINpad to check it?

Reply to
Alex

Of course not - the OP suggested that there was no way they could tell how much they were authorising. If the till display is viewable, then that is perfectly acceptable (as long as the figure is passed automatically to the authorisation routine, rather than being re-entered by the cashier).

I was in a store once when the cashier said (something like) "that's 30 pounds please" and produced the till receipt to be signed. Unfortunately, even though 30 was the correct amount (as she had said), the receipt showed

3,000 - a hundredfold out. Understandably, I didn't sign that receipt!
Reply to
Tim

Without a hint of irony, "Tim" astounded uk.finance on 18 Jun 2004 by announcing:

Well since that's currently a requirement, I don't see how the introduction of EMV changes it. Of course, vendors are playing catch-up all the time and striving to meet the PMO recommendations but that's what it is - catch-up. Do you have any idea what's involved in EMV certification at the moment? It's not just the retailers struggling with it. The vendors are struggling with it. The integrators are struggling with it. The acquirers are struggling with it. Even Mastercard and VISA aren't sure about their own specs.

Reply to
Alex

BeanSmart website is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.