Manténgase informado


Return receipts and charges on credit card account

With the transposition of Directive 2007/64/EC on payment services in the internal market in the Law 16/2009, it is intended, among other purposes, to establish a common system of rights and obligations for providers and users regarding the provision and use of payment services, that is obtained with the SEPA regulation (Single Euro Payments Area). Part the 28 members of the European Union, Iceland, Norway, Liechtenstein, Switzerland and Monaco.

A) Return bills

In Spain, Act 16/2009, of 13 November, payment services, bank proclaims that users have to give their consent to the making of payments in your account. That is, the Bank prior to the issuance of a receipt must be satisfied that the issuer has obtained the express consent of the debtor. This will require communicating the decision to the bank, at least in principle, presenting justification for return bill.


The absence of justification for return receipt or accreditation by the supplier that continues to provide the contracted service may involve:

  • Inclusion on a credit blacklists
  • Cut in supply

In these cases, the correct is to present a complaint to the customer service office of the provider and, in parallel, a complaint with the Consumer Office.

Repayment periods

Is allowed to client and the company have freedom to return as may be agreed direct debit at any time.

  • If the debit was not authorized receipt, maximum period of 13 months (400 calendar days)
  • If the payment was authorized and is fulfilled any of the conditions set, maximum period of 8 weeks (58 calendar days)
  • In the case of B2B transactions between companies, maximum period of 2 days

The Bank shall within 10 working days for a refund of the charges or bills and refund the full amount of the transaction to the client. If you reject the return, the entity will have to justify their denial and shall state complaint procedures.

B) Claim for a payment made ​​by credit card

Nowadays, when manifest discrepancies regarding charges made ​​through bank card payment (debit or credit) consumers are most vulnerable when it comes to assert their rights in e-commerce transactions. Moreover, the problem with the credit card is aggravated in relation whose charge was subsequently made ​​to the date of the transaction (for example, charges made by car rental companies).

Once verified that charge with which you are dissatisfied it is recommended that:

  • Request the return of charge made by buying on the internet to the bank issuing the card in less than 10 days term as well as the request that more charges are not made ​​in the future. Similarly, a claim must be submitted to the Customer Support Service of commerce.
  • If the establishment does not answer or does not attend as requested, it is advisable to complain to any of the regional or local consumer protection agencies.
  • Finally, only might turn to judicial approach.

However, the credit card is a payment instrument that offers a fast, secure and convenient way to purchase any products or services through Internet, long as we act with cautiously.



Comments are closed.