They like to pay by debit or credit card?
Why you'd better check the back of receipts
Created: 04/14/2022, 14:34
By: Juliane Gutmann
The Corona pandemic has made the card payment even more popular.
But there is one mistake that most people make with this payment method.
Pay among mostly without contact?
With most debit and credit cards possible.
Simple card close to the reader of the supermarket, the gas station or the retail branch keep ready.
You need the card is not stuck in the reader more.
An optical signal or a beep to confirm the payment.
Sometimes even the PIN is entered the map.
It is checked whether there is money in the account is
, as cashier Sandra R. informed in the Chip interview.
If the customer does not have to enter the PIN, but has to sign the receipt, this is not checked.
The actual debiting of the amount then only happens a certain time after the purchase.
If the customer's account is not covered, there is a return debit, which can cost the company and the customer money, says Sandra R. in an interview.
By signing the back of the receipt*, the customer enters into a contract with the provider and agrees to the general terms and conditions of the bank responsible for the retailer.
"
You might have to take the time to read through, what am I signing?
", says the cashier Sandra R.
Paying has never been so quick: simply hold the card close to the reader and you're done.
But there is one thing you should always do when a signature is required.
© Angel Santana Garcia / www.imago-images.de
Receipt: Consumer advocates warn against queries that are “cheated” into the general terms and conditions
By agreeing to the terms and
conditions
on the receipt, you can involuntarily give permission that
information such as postal code, shopping behavior and the bank used may theoretically be collected
, says the cashier Sandra R. Therefore, you should always read the back of the receipt before you sign it.
Focus quotes the head of the Federal Association of Consumer Organizations (vzbv), Klaus Müller, on the subject: "Be honest: Who would read the small print on the back of a receipt - especially in the hectic situation of the payment process?".
The signature is a simple way of agreeing to payments.
"But you should be vigilant," warns Müller, according to Focus.
He points out that providers are usually interested in finding out more about the buying behavior of consumers: "If they don't ask about it openly and honestly, but rather cheat it into a signature declaration - that would not be permissible," says Müller .
(jg) *Merkur.de is an offer from IPPEN.MEDIA.
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