Paying with a credit card in a restaurant, shop or other establishment has become a classic for hundreds of thousands of Spaniards and with the arrival of new technologies, this tool provided by banks has replaced cash payments. Carrying out this type of practice also involves risks related to scams and therefore it is essential to follow certain steps to avoid scares when paying with a credit card. What is essential is to collect the copy of purchase.
More and more people are Spain and the rest of the world who have switched to card payments. 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, credit card payment accounted for 66.8% among the methods used other than cash payment. During this period, transactions of this type increased by 14.5% compared to the first half of 2022, reaching 4.9 billion transactions.
Payment with map It is already the primary means of payment among young people aged 18 to 40 thanks to the arrival of new technologies. Dive 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 on a bank terminal. For this reason, the Bank of Spain has given a series of advice on this subject.
Tips on what to do with purchase copy
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 now it is enough to bring the card closer so that the system cwithout act Make the payment without having to touch the terminal. Once the payment is made, comes the million dollar question and that’s when the manager of the restaurant or business asks you if you want a copy of the purchase.
As indicated by 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 related to the purchase you have just made. This small piece of paper includes the date and time, the amount paid, the authorization code as well as the card number and the merchant identifier. This element will be essential in the event of a possible scam or problem related to the payment. Although it may be inconvenient 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 should be taken into account that when paying with contactless Many people do not pay attention to the amount they pay and this can lead to disappointments since sometimes the PIN code is not requested for purchases under 50 euros. Claiming an additional payment without a copy of the purchase will be more difficult if you do not have the paper.
“Keep the purchase receipt from the store. This way, you can check that the amount charged to the card corresponds to the amount of the purchase. Remember that in many stores 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 take 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 keep good control of your spending.
In case of purchase of an error, the Bank of Spain It also informs that you can ask “the entity for the possibility of sending you an SMS message each time a charge is made on your card.”
