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1917 posts

Uber Geek


  # 1029029 22-Apr-2014 11:04

Have we established the payment went to the wrong card??!

3352 posts

Uber Geek


  # 1029037 22-Apr-2014 11:21
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SteveON: Have we established the payment went to the wrong card??!


Patchy drips of blood from a small rock :P

My ASB card is just a yellow eftpos card. It doesn't have any wave symbols.
I didn't know my Gem was even wave, as I don't make shop purchases with it.
I remember holding the ASB card to swipe it on the eftpos machine and if I think back I can't actually remember keying in the pin as I was watching and speaking to the assistant at the time. I remember the confirmation beep and being handed the receipt.



I was shocked when I got home and the receipt said GEM visa


Yet to be confirmed. However it appears the OP has had their first experience with the ease that is paywave, however inadvertantly and appears to be seeking reasoning as to why this ease of payment occured so easily (or, was 'unauthorised'). As it were.

 
 
 
 




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  # 1029444 22-Apr-2014 22:15
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I will go into the shop and see if they will let me view their security cameras.
I can confirm that the transaction has appeared on my GEM visa transaction list now but not on my ASB account.
Then we can confirm that I probably did not swipe my ASB eftpos card.
Hopefully the security tapes will show the area clearly enough to see the actual card I was holding
If the evidence comes back as indeterminent I will make another purchase at the same terminal and leave my GEM visa in my wallet and see what happens.



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  # 1029445 22-Apr-2014 22:27
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Ford: I will go into the shop and see if they will let me view their security cameras.
I can confirm that the transaction has appeared on my GEM visa transaction list now but not on my ASB account.
Then we can confirm that I probably did not swipe my ASB eftpos card.
Hopefully the security tapes will show the area clearly enough to see the actual card I was holding
If the evidence comes back as indeterminent I will make another purchase at the same terminal and leave my GEM visa in my wallet and see what happens.




Hmm.. not so sure if they will let you view their security footage, but do let us know how you get on. But most likely you probably used the wrong card, because you were holding your GEM Visa too close to the terminal.




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  # 1029458 22-Apr-2014 23:03

So are you saying that it showed on your paywave online statement?

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  # 1029461 22-Apr-2014 23:06
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Do you have plenty of free time or something and want to waste the stores tome too? It's obvious what happened. Match the card number up on the receipt if it makes you feel better.

Or go into the store and make them have to explain why they won't be showing you footage from their security system.




Richard rich.ms

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  # 1029483 23-Apr-2014 00:11
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Sounds like exactly what happened to me, as per my earlier post - wrong card just got to close to EFTPOS terminal and was "Paywaved" cry

 
 
 
 




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Ultimate Geek

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  # 1029484 23-Apr-2014 00:14
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I never took GEM out of my wallet. I now have to "waste time" and deposit money to GEM with another transaction or have it reversed.
If I can't view the security footage I'm the store will be pleased that I will be making another transaction and giving them my money when I make a purchase again tomorrow.

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  # 1029486 23-Apr-2014 00:25
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You have still not clarified if you held your wallet containing any cards in the same hand, at the same time as said reported card you intended to use while near the terminal.

If so, this is by design. I don't take cards out anymore. To the point where I forget to also collect flybys as its wave and walk.

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  # 1029493 23-Apr-2014 01:10
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Ford: I never took GEM out of my wallet. I now have to "waste time" and deposit money to GEM with another transaction or have it reversed.
If I can't view the security footage I'm the store will be pleased that I will be making another transaction and giving them my money when I make a purchase again tomorrow.

You still haven't explained why this is somehow the store's fault.  You're intending to waste a whole lot of the store's time to prove absolutely nothing.

Look at your statements.  Transaction appears.  Done.  It's been almost 5 working days since the initial event so it's almost certain the charge has posted by now.  No store time wasted.

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  # 1029496 23-Apr-2014 01:30
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Ford: 
...I remember holding the ASB card to swipe it on the eftpos machine and if I think back I can't actually remember keying in the pin as I was watching and speaking to the assistant at the time. I remember the confirmation beep and being handed the receipt...


Sounds like you were distracted and therefore could have 'waved' your wallet too close to the terminal. I think this myth is busted.

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  # 1029507 23-Apr-2014 06:19
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Ford: I never took GEM out of my wallet.


dont you get it, you dont have to take it out of your wallet thats what the technology is about

suck it up, put money on your GEM account and pay if off and move on.

you are achieveing nothing and the store will just tell you to go away

1917 posts

Uber Geek


  # 1029512 23-Apr-2014 06:41

Kyanar:
Ford: I never took GEM out of my wallet. I now have to "waste time" and deposit money to GEM with another transaction or have it reversed.
If I can't view the security footage I'm the store will be pleased that I will be making another transaction and giving them my money when I make a purchase again tomorrow.

You still haven't explained why this is somehow the store's fault.  You're intending to waste a whole lot of the store's time to prove absolutely nothing.

Look at your statements.  Transaction appears.  Done.  It's been almost 5 working days since the initial event so it's almost certain the charge has posted by now.  No store time wasted.


The OP still hasnt said if it's on his online statement.

1245 posts

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  # 1029514 23-Apr-2014 07:01
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I worked in hospitality with a retail component and know for a fact it is impossible to process the same transaction twice. The systems I've used simply would not allow it. If it was a part payment and the pay wave component was used up to the (usually) $80 limit, you can not begin a new transaction unless the current one is cancelled (or the balance settled at the limit). To even do this requires the system to support it (grouping the part payment transactions) and manual intervention by the teller.

I'm sorry Ford - there is no such thing as double spend for this technology. Your scenario that might have happened is the teller upon realising you accidentally paid on pay wave, begins a NEW transaction by scanning your item again and requesting you to pay using your yellow ASB card and then pocketing the duplicate item after their shift. Which sounds ridiculous.


In GENERAL what happens is a hold cooling period is made on your card and when the transaction is complete the hold is released a few days later. Try it yourself. Use a chip card, proceed to complete your transaction via pin (or just hit enter to attempt signature settlement) and pull your card out before the terminal says "Remove card". The transaction will be aborted but a hold would be placed on your card. If you attempt to complete the transaction again, your card balance will appear to be charged twice, but a few days later it the amount would be backed out and only the successful transaction would have been processed. Paywave is the same, wave your card and while it is processing, pull out the power on the terminal while it is completing.

Also in general, tellers hate people who queue up and start scanning items and then being requested to serve the customer behind (out of consideration) because you have to answer the phone or you decided to 'park" the sale to have another look at another item in store. I've yet to come across a system that allows parking a transaction. Everything has to be scanned all over again otherwise a new transaction could not be initiated for the customer behind. Take retailers such as JB, 'parked' transactions still need to be scanned by the code reader.

It is surprising as your incident is not the first I've heard of a technology that is meant to make things simpler. For those who refuse to adopt contactless, just hole punch your card through the coil points  and you would never have to worry about this again. It does speed up transactions and the benefits far outweigh the problems people have simply because they were NOT concentrating and got distracted when handing money to others. It can also happen to cash if that is the case.

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  # 1029516 23-Apr-2014 07:13
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Best bet in my opinion is simly dispute the transaction with GEM visa, you didn't present this card for the transaction, you  presented your EFTPOS card, for what ever reason you GEM visa got paywaved WITHOUT your authorisation.

If they claim it was presented tell them to provide the security camera recording to show you holding your GEM visa to the terminal, make them do the work, that's why you pay the high credit card interest fees.


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