5 ms·

+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple ca

+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.

m463 5mo ago
I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.
- cortesoft 5mo ago
  I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it.
  - cherioo 5mo ago
    It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??
    - deleted 5mo ago
      [deleted]
    - Schiendelman 5mo ago
      They absolutely can. They just don't bother.
    - martin8412 5mo ago
      A similar thing as what you propose already exists in the Nordics. You pay with your card as normal, and the receipt gets logged automatically in the app. https://en.storebox.com/#/ https://en.storebox.com/#/ Not universally supported unfortunately, but the major stores support it.
  - t-3 5mo ago
    It's not really helpful if I recognize the name when the gas station doesn't put the charges on my card until Friday when I bought stuff there on Tuesday. Then I'm just confused and have to analyze my whole purchase history.
    - shric 5mo ago
      In what backward place does this happen? It shows up the second I pay here (Australia)
      - dahcryn 5mo ago
        it's common, they reserve an amount, and then update towards the final payment. These are not payments as such, and almost always take 48 hours to clear. Same at hotel rooms usually etc.. Many banks only show payments (so only after cleared) and not reserved funds. They will just show that you don't have the full credit available
        lxgr 5mo ago
        The update with the final amount happens within minutes after you’re done pumping, not only at batch clearing time. This was introduced to not unnecessarily block debit card funds for days but it works like that for credit cards as well now.
- lelanthran 5mo ago
  > She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction. That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you!
  - omnimus 5mo ago
    I don't think that argument would work in court.
fweimer 5mo ago
U.S. chargeback rules are different. In other countries, you cannot repudiate credit card transactions that you authorized (and this applies to Mastercard/Visa, too). You need to do something else if you end up in a dispute with the merchant.
- soco 5mo ago
  You open a ticket where you describe what happened and attach everything you have. It happened to me twice over the years, both with Visa, and I had them both approved. I'm not sure that in the age of AI agents they would care anymore, but I can dream right.
  - fweimer 5mo ago
    Over here, it's common that consumers don't have a direct relationship with the card company. I'm not sure if they would even be able to identify me.
    - lxgr 5mo ago
      What do you mean by card company? The cardholder’s contractual relationship is always with the card issuer, which is usually a bank or some other financial institution. This is no different in the US. If something on your bill seems off, you contact the one that issued it, i.e. your bank.
      - soco 5mo ago
        Hmm nevertheless my cases were handled by Viseca, not by my issuing bank. I don't know why, is it because of my bank, or my country, but yeah it seems to be different.
        lxgr 5mo ago
        Banks can (and often do) outsource chargebacks to their processor or another third party, but never the card network (since that’ll be the entity ruling on the case in the very unlikely case it goes into arbitration). Viseca seems like it might actually be an issuer directly (it’s also a common model that banks only act as program managers, delegating actual issuance to a different entity) but I’m not familiar with them.

+1 almost all from the US. The strongest signal is whether they use an eBank/app that has a one-click button to report transactions as fraudulent. The Apple card(?) seems especially prevalent.

m463 5mo ago

I had a friend with the apple card, and there were fraudulent charges on her card before she even used it. I think that caused her to over-scrutinize things. But (years) later I saw her using apple pay. She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction.

cortesoft 5mo ago
I feel like companies should do a better job of naming their payment entity something that a customer can know when they see it.
- cherioo 5mo ago
  It’s 2026, why can’t credit card and merchant figure out a way to transmit order summary URL as part of credit card transactions so I don’t need to match up transactions by amount??
  - deleted 5mo ago
    [deleted]
  - Schiendelman 5mo ago
    They absolutely can. They just don't bother.
  - martin8412 5mo ago
    A similar thing as what you propose already exists in the Nordics. You pay with your card as normal, and the receipt gets logged automatically in the app. https://en.storebox.com/#/ https://en.storebox.com/#/ Not universally supported unfortunately, but the major stores support it.
- t-3 5mo ago
  It's not really helpful if I recognize the name when the gas station doesn't put the charges on my card until Friday when I bought stuff there on Tuesday. Then I'm just confused and have to analyze my whole purchase history.
  - shric 5mo ago
    In what backward place does this happen? It shows up the second I pay here (Australia)
    - dahcryn 5mo ago
      it's common, they reserve an amount, and then update towards the final payment. These are not payments as such, and almost always take 48 hours to clear. Same at hotel rooms usually etc.. Many banks only show payments (so only after cleared) and not reserved funds. They will just show that you don't have the full credit available
      - lxgr 5mo ago
        The update with the final amount happens within minutes after you’re done pumping, not only at batch clearing time. This was introduced to not unnecessarily block debit card funds for days but it works like that for credit cards as well now.
lelanthran 5mo ago
> She had charges she didn't recognize and would immediately flag them. Thing is, I couldn't help but think they might have been real charges with weirdly named companies on the transaction. That's completely the companies fault. If you give a transaction a reference that the customer will not recognise, that's on you!
- omnimus 5mo ago
  I don't think that argument would work in court.

fweimer 5mo ago

U.S. chargeback rules are different. In other countries, you cannot repudiate credit card transactions that you authorized (and this applies to Mastercard/Visa, too). You need to do something else if you end up in a dispute with the merchant.

soco 5mo ago
You open a ticket where you describe what happened and attach everything you have. It happened to me twice over the years, both with Visa, and I had them both approved. I'm not sure that in the age of AI agents they would care anymore, but I can dream right.
- fweimer 5mo ago
  Over here, it's common that consumers don't have a direct relationship with the card company. I'm not sure if they would even be able to identify me.
  - lxgr 5mo ago
    What do you mean by card company? The cardholder’s contractual relationship is always with the card issuer, which is usually a bank or some other financial institution. This is no different in the US. If something on your bill seems off, you contact the one that issued it, i.e. your bank.
    - soco 5mo ago
      Hmm nevertheless my cases were handled by Viseca, not by my issuing bank. I don't know why, is it because of my bank, or my country, but yeah it seems to be different.
      - lxgr 5mo ago
        Banks can (and often do) outsource chargebacks to their processor or another third party, but never the card network (since that’ll be the entity ruling on the case in the very unlikely case it goes into arbitration). Viseca seems like it might actually be an issuer directly (it’s also a common model that banks only act as program managers, delegating actual issuance to a different entity) but I’m not familiar with them.