Use the credit card In establishments such as shops, stores or restaurants it is very common for Spanish citizens, but we must be careful when requesting a copy of the purchase we are making. Technologies have left aside the species and also the habit of keeping all types of tickets, which makes the process faster, but also more dangerous. We are at the mercy of possible fraud or scamstherefore the steps indicated by the experts, in this case the lawyerswhen paying the bill or making a purchase by credit card, are essential and must be respected. A professional asks you to follow in his footsteps when he asks you if “Do you want a copy of the purchase?“.
More and more people are Spain and the rest of the world who have switched to card payment. According to a recent study published by the Bank of Spainin the first half of 2023, payments with non-cash instruments increased by 12.1% compared to the same period in 2022. Among them, the payment by credit card It represents 66.8% of means used other than cash payment. During this period, operations of this type increased by 14.5% compared to the first half of 2022, to reach 4.9 billion operations.
Payment with map It is already the leading means of payment among young people aged 18 to 40 thanks to the arrival of new technologies. Plunged into 2024, it is already possible to pay with a mobile terminal or even with a watch that can act as a credit card. This has many advantages in terms of convenience and the absence of the need to carry cash, but it also has disadvantages, linked to the large number of scams that occur today when paying at a terminal banking. It is for this reason that the Bank of Spain has given a series of advice on this subject.
What to do with the copy of the purchase if you pay by credit card
Paying with a credit card in any establishment is very common and for this the POS terminal is essential, which is the Point of sale terminalin which the card was previously inserted and it is now enough to bring the card closer so that the system cwithout act Make payment without needing to touch the terminal. Once payment is made, comes the million dollar question and that’s when the manager of the restaurant or business asks if you would like a copy of the purchase.
As indicated in the Bank of Spainthe answer is clear and resounding: yes. It must be taken into account that the copy of a purchase (the establishment keeps one and gives another to the consumer) includes all the information relating to the purchase you have just made. This small piece of paper has the date and time, the amount paid, the authorization code as well as the card number and merchant ID. This element will be essential in the event of a possible scam or payment-related problem. Although it may be uncomfortable to add more papers to your wallet, it is advisable to obtain a copy of your purchase.
He Bank of Spain includes a series of tips when paying by card. It must be taken into account that in the event of payment with contactless Many people do not pay attention to the amount they pay and this can lead to disappointment since sometimes the PIN code is not requested for purchases under 50 euros. Requesting additional payment without a copy of the purchase will be more difficult if you do not have the paper.
“Keep your purchase receipt from the store. This way you can verify that the card debit amount matches the purchase amount. Remember that in many businesses it is possible to obtain an electronic ticket”, warns the Bank of Spain, which also gives other advice when making a payment of this type. This entity also warns against contactless and asks that “when you bring your card to the point of sale, check the amount that appears on the screen and make sure it is correct. The copy can help you maintain adequate control over your money”. expenses.
In case of purchasing an error, the Bank of Spain It also informs that you can request from “the entity the possibility of sending you an SMS message each time a charge is made to your card”.
