1/4 Which company is behind the PAYTOSPE debits? Should I be afraid of a scam?

Do you notice a direct debit under the title PAYTOSPE? PAYTOSPE is a platform that bills you for online services. These are therefore recurring withdrawals. PAYTOSPE debits correspond to a subscription. Concretely, you have undoubtedly entered your bank card on a website to buy a service (trial offer on a dating or clairvoyance site? Cultural content such as streaming videos? Subscription to a coaching service ... line are very varied).

Is this a scam? If your bank card has been stolen and used by a third party, it is a scam. If you made a purchase yourself, it is not card fraud. We tell you more below.

2/4 Why does my account statement show PAYTOSPE withdrawals?

The company behind the wording PAYTOSPE charges you because you, or a person with access to your bank card details, have entered your card for an internet purchase. What type of purchase? Well for example to buy a subscription or simply a trial offer leading to a subscription.

It happens that subscriptions linked to PAYTOSPE debits are not desired by Internet users. But be aware that attractive trial offers are often automatically transformed into subscriptions if no request is made to cancel it.

3/4 How to cancel PAYTOSPE debits? 2 methods:

There are two solutions to stop PAYTOSPE direct debits and cancel / terminate the current subscription:

- You want to do the procedures alone: ​​the solution (free)

1. Identify the website at the origin of these cash withdrawals (= the site on which you entered your credit card details)
2. Once you have found the site, connect to it (if you have a current subscription, the site knows you and you probably even have an account with them)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings: all you have to do is follow the steps indicated by the site

- You prefer to be accompanied by a professional to carry out the termination procedures: entrust your problem to a service provider. We recommend you Sos Internet to help you stop direct debits PAYTOSPE:

1. Investigation: they take care of the identification searches of the company that takes your money
2. Administrative: they carry out the termination procedures
3. Peace of mind: they send you a confirmation email once everything is stopped

4/4 Having your bank card renewed to stop PAYTOSPE debits: a good idea?

What the law says ? : in March 2018, the court of cassation accepted the culpable negligence of a customer who had transmitted his data to a fraudulent site. This is the reason why a banker may refuse to block your card if you are the originator of the subscription.

If you are still in possession of your bank card, it is very unlikely that it is a card hack as explained above: blocking the card would therefore mean not honoring a contract for which you signed up. engaged. We therefore do not recommend blocking your credit card.

If it is card fraud, that is, if the card has been physically lost and used by a third party, you can report it stolen / lost to your banker. You will also be able to open a fraud file to try toget a refund (this point is to be done directly with your bank).