1/4 - SDXPAY direct debit: is it a card fraud scam?

 

You notice a debit corresponding to SDXPAY: this means that your bank card has been used on a website and that you are (perhaps, without knowing it) subscribed to a service offered by the site.

What site could this be? Here are concrete examples: an online clairvoyance or dating service site, an adult content site visited following a click on an advertisement, or even a site on which you found yourself following a newsletter announcing you a gift or a great commercial offer ...

Unless your bank card has disappeared (lost or stolen) and a malicious person has used it to register on a website of this type, there is a good chance that you are at it. origin of this subscription to SDXPAY.

In this sense, it cannot be considered a card fraud or a scam in the sense that it is not a bank card hack / theft.

 

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

 

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

Our diagnosis: It seems that the CB SDXPAY withdrawal is linked to a recurring subscription. You entered your bank details as part of an attractive trial offer and ended up subscribed to the service. The company that manages SDXPAY can thus charge you one or more amounts each month under the pretext of 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 If you no longer wish to be withdrawn, you must absolutely carry out termination procedures so as not to be withdrawn in the coming months.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 SDXPAY bank debits?

 

There are two ways to stop withdrawals from SDXPAY and to terminate any current subscription taken out against your will:

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

1. Find the site linked to these direct 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, connect to it (if you have a current subscription with them, you have created an account there in the past)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings (which can be found in the 'my account' or 'membership' areas depending on the site)

- 'I do not wish to carry out the procedures alone and I prefer to let a professional handle the problem': you can go through a service provider such as Sos Internet to help you stop direct debits SDXPAY:

1. 1. They take care of the identification searches of the company that takes your money
   2. They carry out 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 SDXPAY card debits?

 

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 GTC (General Conditions of Sale) that 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.