Even in the old GBIT process, I have always seen 3 transactions - one debit and one credit to the initial card account, and one debit to the new card. I’ve mostly done GBIT days or weeks after the original transaction date - so that explains it.
I think it depends on whether the merchant is genuinely doing a pre-auth (for e.g. at hotels) or a transaction (for e.g. at Lidl).
‘You can also use the “Go Back in Time” feature to move the payment to an underlying debit card and your fee will be fully refunded. Don’t forget, this must be done within 90 days of making the payment!’
Btw, I figured out not to allow emotions to play a part in financial affairs a long time ago. No need to GBIT on that front.
In general this statement is correct. But as @alexschernyshev said this isn’t correct for transactions that were made during the time that Curve was still making use of Wirecard, you can not use GbiT for those transactions. This is the case for all those transactions, so also for Curve Fronted ones.
I’m not exactly sure what you’re arguing here.
Go Back in Time (GBiT) → It’s back! You can now GBiT any transaction after 29th June 2020. When we moved away from Wirecard on 26 June, we had to rebuild GBiT. Rebuilding meant restarting, so GBiT is technically just 11 days old now. You can still GBiT for up to 90 days, we haven’t changed that – it just has to age a bit
Note how it clearly says that GBiT only works for transactions after June 29th, for obvious reasons.
Some background on my engagement with the Information commissioner’s office (ICO). This is the email I sent the ICO on 07.08.2020. Notice how I say ‘Both these statements cannot be correct’.
Dear Ms ___________,
Thank you for your email.
I note that you’ve said you ‘suggested that requesting the ICO case reference would be an appropriate identifier to ensure that [Cleo AI] had the correct individual as [my] account information WOULD HAVE BEEN DELETED BY THE TIME THE EMAIL WAS SENT.’.
In your email to me on 28 July 2020 you’ve said ‘[Cleo AI] have confirmed that they do not have an account for [me] any more as this was DELETED SOME TIME AGO so the information which they provide will be internal correspondence.’ .
Both these statements cannot be correct.
Was your suggestion to CLEO AI based on my account being DELETED SOME TIME AGO or was it based on my account having BEEN DELETED BY THE TIME THE EMAIL WAS SENT?
By some sheer coincidence poeliev has also used ‘statement’ and ‘correct’ in his post. Or, the other explanation is that he was privy to all or some of the contents of the above email.
Btw, you’re just relaying Curve’s firefighting messages. There are risks associated with using a third party payment processor:
These risks cannot simply be passed to the customer. So, when you say ‘for obvious reasons’, I think you are looking at this from a purely technical perspective.
I’ve stopped using Curve due to the lack of support. My last transaction was back in June 2020.
Today, I thought about Curve for an ebay purchase, but it dawned on me that if there is an issue (e.g. need for a chargeback or it’s equivalent), it’ll be next to impossible to obtain support from Curve. So decided to use debit card directly (it was a purchase under £100).