1/4 - Is the INFOIDPAY debit a scam / card fraud?
Your bank statement displays a card debit from INFOIDPAY: no doubt, this implies that your bank card number has been entered on a website.
You are not alone in this case. The cases that we often find: a trial offer on a site (games, clairvoyance, meetings, video content ...), competition game that gives you the impression of having won a gift of 1 euro (a smartphone, a perfume, cinema tickets…), e-commerce site (often foreign) which sells particularly inexpensive branded products (or not)… What do all these offers have in common? They lead to a paid monthly subscription!
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 INFOIDPAY .
In this sense, it cannot be considered a scam in the sense that it is not a bank card hack.
2/4 - Where does the INFOIDPAY direct debit come from?
As detailed above, this card debit follows an internet subscription.
Our diagnosis: It seems that the CB INFOIDPAY withdrawal is the consequence of a recurring subscription. You don't remember having taken out a subscription for an online service? Perhaps you did not directly enter your bank details for a subscription but rather as part of a trial offer like '3 days trial for a few euros'. This kind of commercial mechanic is very common and aims to collect your banking information to subscribe to the service and withdraw money from you each month.
Namely: this direct debit is recurring. You must complete cancellation procedures to no longer be charged for the next few months.
3/4 - How to put an end to INFOIDPAY bank withdrawals?
There are two ways to stop cash withdrawals from INFOIDPAY and to terminate any current subscription taken out against your will:
- 'I want to do all these steps myself': the solution (free)
- 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?
- 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)
- 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 INFOIDPAY:
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- They take care of the identification searches of the company that takes your money
- They carry out the termination procedures
- They send you a confirmation email once everything is stopped
- Their services are chargeable (and 'effective or reimbursed' guarantees).
4/4 - Can I block my card with my bank to stop INFOIDPAY card debits?
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 to obtain a refund (this point is to be discussed directly with your bank advisor).
If you are still in possession of your 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) 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.
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.
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