1/4 - GSPAIEMNT card withdrawal: a card fraud type scam?

You notice a debit corresponding to the title GSPAIEMNT: this means that your bank card has been entered on a website and that you are (perhaps, without knowing it) subscribed to a service offered by the site. Who used your card? On which site ? Here are two things to know:

What site could this be? It is quite possible that it is about a service site (meetings, clairvoyance…) which proposes trial offers over 2 or 3 days for example. At the end of the offer, if you have not canceled the commitment, it turns into a renewable subscription each month.

Unless your bank card has disappeared (lost or stolen) and an evil person has used it to register on a website of this type, there is a good chance that YOU are at the origin of this subscription to GSPAIEMNT. Very often, Internet users enter their card without realizing that behind the trial offer, hides a subscription (don't panic, you can cancel these withdrawals, that's what we'll see right away!)

In this sense, it cannot be considered to be card fraud.

2/4 - Where does the GSPAIEMNT card withdrawal come from?

As explained above, this speed follows an internet subscription.

Our diagnosis: It seems that the CB GSPAIEMNT withdrawal is linked to a subscription from a dating site. How they work? You enter your bank details as part of a very inexpensive trial offer and you end up subscribed to the service (this being specified at the time of purchase, in the General Conditions of Sale ... which very often Internet users do not read not). The company that manages GSPAIEMNT can thus deduct one or more sums from you each month under the pretext of a subscription.

Please note: this debit is recurring and will continue as long as you have not completed the termination procedures so as not to be withdrawn in the coming months.

3/4 - How to stop GSPAIEMNT card withdrawals?

There are two ways to terminate GSPAIEMNT bank debits and to stop any current subscription:

- 'I want to do all these steps myself': the solution (free)

1. Go through the billing platform or find the site linked to these debits (= the site on which you took a trial offer): on which site did you enter your credit card details?
2. Once you have identified the site or platform, connect to it with your credentials
3. Once logged in, you will usually find the unsubscribe procedure in the site settings or a contact link to ask your questions.

- 'I do not wish to carry out the procedures alone and I prefer to let a service provider manage the problem': you can go through a professional of the type Sos Internet to help you stop direct debits GSPAIEMNT:

1. They take care of the identification searches of the company that takes you from you
2. They support you in the termination procedures
3. They send you a confirmation email once everything is stopped
4. Their services are chargeable (and 'effective or reimbursed' guarantees).

4/4 - Can I block my card with my bank to stop GSPAIEMNT direct debits?

As mentioned earlier, if you are still in possession of your bank card, it is very unlikely that it is a card hack: in this case, you have entered your bank details and have validated the T & Cs ( General Conditions of Sale) which informed you about a possible subscription: blocking the card would therefore mean not honoring a contract for which you have signed up. We therefore do not recommend blocking your credit card.

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

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.