Homebase are bastards

Well, all numbers are equivalent - so the "money put back" is *always* the same as the "money taken out"...

"Alex" wrote

So why don't shops do that, then?

Reply to
Tim
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At 13:52:22 on 04/01/2008, Tim delighted uk.finance by announcing:

You know that. The > > > Anyway, to throw your own question back at you, how would

They do. There's a *big* difference between a refund and a reversal. The former is exactly the same sort of transaction as a sale and, indeed, can be reversed in exactly the same way. The latter is a special transaction type and must be performed within a certain time (more easily measured in seconds than in hours or days) of the original transaction.

Reply to
Alex

At 13:45:53 on 04/01/2008, Tim delighted uk.finance by announcing:

CNP merchants are usually more strictly vetted by their bank, and may be subject to more conditions - such as 100% online transactions - to reduce the chance of fraud. Besides, as I stated elsewhere, a refund is processed in the same way as a sale because it's the same type of transaction. It's just that the amount is the other side of zero.

Reply to
Alex

You make the mistake of thinking that rationality and the money-laundering regulations have a relationship.

Reply to
Fergus O'Rourke

So, the solution is to tell the shop to do it, and then leave ? Once you've left, it's CNP .

Reply to
Fergus O'Rourke

You can't. If you visit the merchant's premises at any stage in the sale process, the merchant is not allowed to treat the sale as CNP. Doing so would be a breach of their contract with their bank or card processor.

Mark

Reply to
Mark Goodge

At 15:58:17 on 05/01/2008, Mark Goodge delighted uk.finance by announcing:

They may not even have the facility to process CNP transactions.

Reply to
Alex

Indeed. CNP requires a different contract and different processing facilities; a retailer that doesn't do distance selling at all will have no need for it. Even if they do, it's quite possible - especially in larger chains - that only the online system or call centre will have the facility to process CNP transactions, with the branches all doing face-to-face transactions only.

Mark

Reply to
Mark Goodge

Dang !

Reply to
Fergus O'Rourke

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