1/4 - Is PAYLIVE123 debit a scam / card fraud?

Your bank statement displays a debit from PAYLIVE123: this means that your bank card numbers have been entered on a website.

A case that is often found is, for example, the trial offer on a site which automatically turns into a subscription (meetings, content for adults of full age, coaching, etc.).

Unless you have lost your bank card and someone else 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 PAYLIVE123. . Very often, the Internet user who enters his card for a small offer is not aware of the consequences of the purchase: a subscription with recurring withdrawals.

In this sense, we cannot consider that it is not a scam since it is not a question of a bank card hacking and that the GTC (general conditions of sale) have been checked (most often without being read , that's where the whole problem lies.)

2/4 - Where does the PAYLIVE123 card withdrawal come from?

As explained above, this flow follows an internet subscription subscription.

Our diagnosis: It seems that the CB PAYLIVE123 withdrawal is linked to a recurring subscription. You entered your bank details as part of an attractive trial offer (on a dating site for example) and you end up subscribed to the service because during the purchase, you validated their General Conditions of Sale which stipulate that the offer is based on a subscription.

Attention: who says recurring subscription says monthly withdrawals. If you no longer wish to be withdrawn, you must absolutely carry out termination procedures so as not to be withdrawn in the coming months.

3/4 - How to stop PAYLIVE123 direct debits?

There are two ways to terminate PAYLIVE123 bank debits and terminate 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 PAYLIVE123:

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 PAYLIVE123 withdrawals?

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.