1/4 - Is the BONPAY card withdrawal a card fraud type scam?

 

You notice a debit that responds to the name of BONPAY: this means that your bank card has been entered 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 a few 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 a gain or a super reduction ...

Unless your bank card has disappeared (lost or stolen) and an evil person 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 BONPAY.

In this sense, we cannot consider it to be card fraud in the sense that it is not bank card hacking.

 

2/4 - Where does the BONPAY bank debit come from?

 

As detailed above, this card debit follows an internet subscription.

Our diagnosis: It seems that the CB BONPAY 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 stop BONPAY card withdrawals?

 

There are two solutions to stop withdrawals from BONPAY and terminate any subscription taken out against your will:

- 'I want to manage on my own': the solution (free)

1. 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?
2. 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)
3. 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 BONPAY:

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

 

4/4 - Can I block my card with my bank to stop the BONPAY charges?

 

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.