1/4 Which company charges me under the title REPAITE? Is this a scam?

You observe a direct debit under the wording REPAITE? REPAITE is an online platform that charges you for services. REPAITE debits correspond to a subscription. These are recurring direct debits. Concretely, you have undoubtedly entered your bank card on a website to buy a service (trial offer on a site - meetings, clairvoyance, cultural content such as videos or music in streaming, subscription to a sports coaching service, websites of reductions… The online services are very varied).

Is this a scam? If your bank card has been stolen and used by a third party, it is a scam. If you made a purchase yourself, it is not card fraud. We tell you more below.

2/4 Why is my bank account showing debits from REPAITE?

The company behind REPAITE charges you because you, or a person with access to your credit card details, have entered your card on a website. Why ? Well for example to buy a subscription, a trial offer leading to a subscription, or to prove that you are of legal age.

It happens that the subscriptions linked to REPAITE debits are not desired by Internet users. But be aware that attractive trial offers are often automatically transformed into subscriptions if no steps are taken to refuse this.

3/4 How to cancel the REPAITE direct debits? 2 possibilities :

There are two solutions to stop REPAITE direct debits and cancel / terminate the current subscription:

- You want to do the procedures alone: ​​the solution (free)

1. Identify the website at the origin of these cash withdrawals (= the site on which you entered your credit card details)
2. Once you have found the site, connect to it (if you have a current subscription, the site knows you and you probably even have an account with them)
3. Once logged in, you will generally find the unsubscribe procedure in the site settings: all you have to do is follow the steps indicated by the site

- You prefer to be accompanied by a professional to carry out the termination procedures: entrust your problem to a service provider. We recommend you Sos Internet to help you stop direct debits REPAIRED:

1. Investigation: they take care of the identification searches of the company that takes your money
2. Administrative: they carry out the termination procedures
3. Peace of mind: they send you a confirmation email once everything is stopped

4/4 Legal advice: do you have to block your card to stop REPAITE debits?

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.

If you are still in possession of your bank card, it is very unlikely that it is a card hack as explained above: blocking the card would therefore mean not honoring a contract for which you signed up. engaged. We therefore do not recommend blocking your credit card.

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