1/4 - Is the PAYSPT direct debit a credit card scam fraud?
Have you noticed a bank direct debit from PAYSPT? First point, this means that your bank card has been registered on an online site.
Unless your bank card has disappeared and a stranger has used it to register on a website, there is a good chance that you are at the origin of this subscription to PAYSPT. Quite often, people who enter their bank details as part of trial offers (for 2 or 3 days only, for example) are unaware that they are actually committing to a monthly subscription.
In this sense, we cannot consider the direct debit as a scam in the sense that it is not a bank card hacking.
Here are some examples that can lead to surprising and unexpected rates: a trial offer on a dating site (3 days for 2 euros), an offer on a clairvoyance site, a commercial offer with a gift at the key ...
2/4 - What is the origin of the PAYSPT bank debit?
As explained above, this flow is the consequence of a subscription to an online service.
Our diagnosis: It seems that the CB PAYSPT withdrawal results from a subscription to a website (various services such as clairvoyance, content for adults or others). You enter your bank details as part of a 2 or 3 day trial offer and you end up subscribed to the service. The company that manages PAYSPT can thus charge you one or more amounts each month under the pretext of a subscription.
Please note: this direct debit is recurring. Remember to take steps to terminate it so as not to be charged over the next few weeks or months.
3/4 - How to stop PAYSPT card withdrawals?
There are two solutions to stop withdrawals from PAYSPT and terminate any subscription taken out against your will:
- 'I want to manage on my own': the solution (free)
- Identify the site at the origin of these withdrawals (= the site on which you took a trial offer): on which site did you enter your credit card details?
- Once you have found the site, connect to it (if you have a current subscription with them, you have created an account in the past)
- Once logged in, you will usually find the unsubscribe procedure in the site settings
- 'I prefer to let a professional manage the problem': go through a service provider such as Sos Internet to help you stop direct debits COUNTRYPT:
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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
4/4 - Can I cancel my card with my bank to stop PAYSPT 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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