These are the risks of not asking for it when you pay with a card

The popularization of card payments they have been a true turning point. In addition, with the benefits offered by electronic banking applications, which allow the integration of the personal debit or credit card to the mobile device itself, small businesses have integrated a multitude of dataphones or POS devices to make these payments. As soon as these transactions are carried out, the electronic device issues a small receipt, popularly known as “copy”, where this movement is collected.

That is why when we go shopping, we end up getting tired of hearing the phrase: “Do you want a copy?” The issuance of the receipt that the terminal prints causes the client chooses to request his copy, or not. Perhaps you do not request them because of a good action with the environment, or because they end up accumulating in the bottom of our portfolio to the point of forgetting the purchases you made in the previous weeks. Nevertheless, it would be advisable to always review the amount that it has been charged to our account, and that the appropriate amount has been indicated.

Look what you pay

This always appears on the POS, so in case you proceed to reject the printing of the “copy”, make sure the store worker shows you the device screen with the amount. In short, it is about looking at what you always pay through the popularized ones, and every day with more weight in the economy and businesses, ‘contactless’ payments. One of the biggest risks of this type of payment is that the charge is made without having to enter the card’s PIN number. This highly automated process means that many times you make your purchases without paying attention to these types of questions.

In addition, payments in which the PIN code is not requested are limited to the amount of up to 50 euros. In such a way that if a higher amount is entered, the card number code will be automatically requested to be entered by the customer. Thus, when looking at the screen directly, the amount that has to be paid is being verified. In this sense, the Bank of Spain summarizes this series of recommendations to clients so that they do not suffer scams through ‘contactless’ payments:

  • Once the payment is made, always check the amount of money displayed on the screen.
  • In case of save the ticket purchase of the merchant, identifies if the amount that has been loaded on the card matches the purchase itself. Also, this can be ordered electronically.
  • Check the card charges in your account to periodically control the expenses you make.
  • Contact your identity to see if there is a possibility that a notification is activated via SMS or through the application of electronic banking on the mobile phone each time a payment is made.

A method that “has come to stay”

Contactless payments have become the preferred method for 66% of Spaniards During the last weeks, marked by the coronavirus crisis, according to the latest Mastercard study, which indicates that 78% of transactions in Europe are already made through contactless payments. The study also points out that this method “has come to stay”, since 75% of Spanish respondents say they will continue to use contactless payment when the coronavirus pandemic passes.

The most popular ‘contactless’ payment method in Spain is payment with contactless card (79%), followed by mobile payment (33%) and with smart devices like Fitbit or Garmin (5%). Likewise, 22% of those surveyed affirm that they have stopped using cash and 40% state that they have changed their card for one that allows ‘contactless’ payments. Nine out of ten Spaniards have paid for the purchase in this way, 67% have used it in pharmacies and 37% also in other stores. Among the main reasons for adopting this payment method, consumers cite hygiene (85%) and ease of use (88%).

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