1/4 - Unknown charge TECHNPAY NET: is it a bank card scam fraud?
If you notice a debit from TECHNPAY NET, it means that your bank card has been used on a website. Read carefully what will follow:
Here are some examples of sites that could be linked to this unexpected levy: a dating site, a video content site, a mediums site… In short, a site that offers paid services and above all, before that: trial offers . It is therefore quite possible that the card was used for a trial offer which ended up giving rise to a subscription.
UNLESS your bank card has disappeared (and someone else has used it to register on a website), there is a good chance that YOU are the originator of this subscription to TECHNPAY NET. Perhaps you did not understand that entering your bank details could lead to a subscription? Rest assured, it is quite possible and unfortunately very common and there are solutions to stop the withdrawals.
In short, it cannot be considered a scam. The GTC (general conditions of sale) were accepted (very often, without being read, this is the problem), when the purchase of the trial offer.
2/4 - Where does the TECHNPAY NET bank debit come from?
As detailed above, this card debit follows an internet subscription.
Our diagnosis: It seems that the CB TECHNPAY NET 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'. By validating the General Conditions of Sale, you have authorized the company to switch to a subscription at the end of the trial offer.
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 stop TECHNPAY NET bank debits?
There are two ways to terminate TECHNPAY NET bank debits and to stop any current subscription:
- 'I want to do all these steps myself': the solution (free)
- 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?
- Once you have identified the site or platform, connect to it with your credentials
- 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 "I stop the charges" to help you stop the withdrawals TECHNPAY NET:
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- They take care of the identification searches of the company that takes you from you
- They support you in 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 TECHNPAY NET card debits?
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.
I have it taken regularly and from January to February 2021 it's about 5 withdrawals of 25 to 45 euros so one today. It is too much