overpayment

[danno712]

Ok, so I bought an item for $12.99 with free shipping.  That amount was paid to seller but I was charged $20.32 on my CC.  What is best way to get a refund?

Thanks,

[mtgraves7984]

I suppose you'd call your card to question the charge. Good luck to you.

[buyselljack2016]

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@danno712 wrote:

Ok, so I bought an item for $12.99 with free shipping.  That amount was paid to seller but I was charged $20.32 on my CC.  What is best way to get a refund?

Thanks,

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Were you on a mobile device when looking/making the purchase?

Some reports of not seeing shipping/showing free shipping on mobile devices, but seem it should have shown up someplace before payment to confirm.

Have you looked at the item again?  Is it free shipping?

I don't use mobile, but still have a step to confirm my payment before purchasing.  I know some just have stuff auto linked for payment to not be bothered with those extra clicks.

@danno712 

[eburtonlab]

What kind of item, and what state did you have it delivered to? What does the order details page show?

Are you sure you are looking at the charge for the same item? Is it possible that the charge was for a different transaction? Looking at your feedback received it appears you had a recent transaction for $18.99. If your sales tax rate is 7%, that would raise your total cost to $20.32.

[north40sales]

Are you looking at a pending authorization or a settled charge on your Card Account? 

[mam98031]

The place to start is with your Seller.  Have you asked them why you were charged more?  That would be your first step.  

If you bought the item from a Fixed Price listing [not an auction], you may want to look at the listing again closely.  Sellers have no way of messing with what you are to pay if you pay immediately when you purchase the item.  The difference that you feel you overpaid had to of been set up in the listing.

Also part of it is likely to be sales tax.

[north40sales]

The place to start is with your Seller.  Have you asked them why you were charged more?  That would be your first step.  

If you bought the item from a Fixed Price listing [not an auction], you may want to look at the listing again closely.  Sellers have no way of messing with what you are to pay if you pay immediately when you purchase the item.  The difference that you feel you overpaid had to of been set up in the listing.

Also part of it is likely to be sales tax.

The seller has nothing to do with the credit card transaction.  That's eBay with the Managed Payments thing.   I suspect that the issue lies with the buyers credit card that authorized a higher amount and is pending settlement.  I see that frequently and its easy to assume a pending authorization amount is the charge from the vendor.  

[eleanor*rigby]

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@north40sales wrote:

The seller has nothing to do with the credit card transaction.  That's eBay with the Managed Payments thing.   I suspect that the issue lies with the buyers credit card that authorized a higher amount and is pending settlement.  I see that frequently and its easy to assume a pending authorization amount is the charge from the vendor.  

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Are you referring to "memo posting?" You suspect eBay transactions are utilizing memo posting instead of real-time posting? And you think that has something to do with Managed Payments?

I've been purchasing on eBay since 1998, and I've never seen an eBay transaction memo post since the platform began accepting electronic payments.

[north40sales]

Are you referring to "memo posting?" You suspect eBay transactions are utilizing memo posting instead of real-time posting? And you think that has something to do with Managed Payments?

I've been purchasing on eBay since 1998, and I've never seen an eBay transaction memo post since the platform began accepting electronic payments.

As I posted, I suspect that the issue lies with the buyer's bank displaying a pending authorization and not a settled charge.  Some banks do things differently with charge cards vs debit cards.   Without additional info from the Original Poster, this is just an educated guess on my part. 

However, contacting the seller would not likely yield any results as the seller is not involved in the Credit Card transaction at all.   

[mam98031]

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@north40sales wrote:

The place to start is with your Seller.  Have you asked them why you were charged more?  That would be your first step.  

If you bought the item from a Fixed Price listing [not an auction], you may want to look at the listing again closely.  Sellers have no way of messing with what you are to pay if you pay immediately when you purchase the item.  The difference that you feel you overpaid had to of been set up in the listing.

Also part of it is likely to be sales tax.

The seller has nothing to do with the credit card transaction.  That's eBay with the Managed Payments thing.   I suspect that the issue lies with the buyers credit card that authorized a higher amount and is pending settlement.  I see that frequently and its easy to assume a pending authorization amount is the charge from the vendor.  

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I stand by what I said.  The place to start is with the seller.  @danno712 should contact their seller as their may be an easy explanation for this.  The buyer may not like the explanation, but they will at the very least likely have the reason why it was charged.  I'm not saying the seller would be correct.  That will remain to be seen after they respond.

Not everything has to rush to a claim or a chargeback.  All those extra steps can often be avoided with some simple communication.  Jumping to conclusions or assuming is typically not the answer.

[mam98031]

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@north40sales wrote:

Are you referring to "memo posting?" You suspect eBay transactions are utilizing memo posting instead of real-time posting? And you think that has something to do with Managed Payments?

I've been purchasing on eBay since 1998, and I've never seen an eBay transaction memo post since the platform began accepting electronic payments.

As I posted, I suspect that the issue lies with the buyer's bank displaying a pending authorization and not a settled charge.  Some banks do things differently with charge cards vs debit cards.   Without additional info from the Original Poster, this is just an educated guess on my part. 

However, contacting the seller would not likely yield any results as the seller is not involved in the Credit Card transaction at all.   

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I'm well versed in how my credit card works.  I have often had a pending transaction on my credit card that states it is higher than what it ends up being.  However for my suppliers, when I place an order, the ping they do to my CC is what my order was for and the estimated shipping.  

You are correct, the actual charge that goes through to my  CC can sometimes be different than what they pinged my account for one direction or the other.  However on an  Ebay transaction there should be ZERO difference.  I buy off of Ebay all the time and I have never had an Ebay payment ping my account for almost double what was being purchased.  When Ebay is paid for a transaction the EXACT amount of the transaction is known at that time to include shipping and taxes on US sales.

If your CC operates differently on Ebay sales, I would really question that with my CCC.

[north40sales]

I'm well versed in how my credit card works.  I have often had a pending transaction on my credit card that states it is higher than what it ends up being.  However for my suppliers, when I place an order, the ping they do to my CC is what my order was for and the estimated shipping.  

You are correct, the actual charge that goes through to my  CC can sometimes be different than what they pinged my account for one direction or the other.  However on an  Ebay transaction there should be ZERO difference.  I buy off of Ebay all the time and I have never had an Ebay payment ping my account for almost double what was being purchased.  When Ebay is paid for a transaction the EXACT amount of the transaction is known at that time to include shipping and taxes on US sales.

If your CC operates differently on Ebay sales, I would really question that with my CCC.

The amount of the Authorization is determined by the Merchant Account and the Funding bank.    

For ease of explanation, lets use this sale of $12.99 with free shipping.  

eBay would receive the buyers CC info and send it to their processer (Merchant Account) which is Adyen.   Adeyn would then send an authorization request to the buyers funding source for $12.99    They can be precise as they will know the total cost as per their relationship with eBay.    The Funding source then issues an authorization number to the Merchant account and places the authorized amount "on hold" in the buyer's account.   This is where the amount authorized can change as some banks and card institutions will authorize up to 26% more to cover "accessorial charges" like shipping, taxes and fees.   

Now, at this point when the funding bank issues the authorization and places the funds on hold, if its a Credit Card, it will effect available credit limit and if its a Debit Card, it will lock up real money.

When the batch is closed with Adyen and a request for payment is transmitted, that pending authorization becomes a settled charge, in this case for the $12.99

It's my guess this is what the OP is experiencing.  

[north40sales]

I stand by what I said.  The place to start is with the seller.  @danno712 should contact their seller as their may be an easy explanation for this.  The buyer may not like the explanation, but they will at the very least likely have the reason why it was charged.  I'm not saying the seller would be correct.  That will remain to be seen after they respond.

Not everything has to rush to a claim or a chargeback.  All those extra steps can often be avoided with some simple communication.  Jumping to conclusions or assuming is typically not the answer.

OK....so the OP contacts the seller with the why did you charge my card for $20.32 when it should have been for $12.99 plus tax? 

What is the seller supposed to tell them when they have zero input on the payment transaction?  They have no access to the payment stream to see what was authorized or charged on the card.  

In my business when I see this sort of thing happen, it has always been the funding source authorizing a higher amount than requested and the buyer seeing the pending authorization on their current activity and not understanding that it is an authorization and not a settled charge.  My first question I have for them is this:  Can you check with your CC Company and find out if what you are seeing is a pending authorization or a settled charge and get back to me? 

[eburtonlab]

The OP remembered a purchase for $12.99.

But the OP also made another purchase for $18.99.

$18.99 plus 7% sales tax ($1.33) is... $20.32.

If the OP is in a 7% sales tax state, I think that would neatly explain the $20.32 charge.

[mam98031]

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@north40sales wrote:

I'm well versed in how my credit card works.  I have often had a pending transaction on my credit card that states it is higher than what it ends up being.  However for my suppliers, when I place an order, the ping they do to my CC is what my order was for and the estimated shipping.  

You are correct, the actual charge that goes through to my  CC can sometimes be different than what they pinged my account for one direction or the other.  However on an  Ebay transaction there should be ZERO difference.  I buy off of Ebay all the time and I have never had an Ebay payment ping my account for almost double what was being purchased.  When Ebay is paid for a transaction the EXACT amount of the transaction is known at that time to include shipping and taxes on US sales.

If your CC operates differently on Ebay sales, I would really question that with my CCC.

The amount of the Authorization is determined by the Merchant Account and the Funding bank.    

For ease of explanation, lets use this sale of $12.99 with free shipping.  

eBay would receive the buyers CC info and send it to their processer (Merchant Account) which is Adyen.   Adeyn would then send an authorization request to the buyers funding source for $12.99    They can be precise as they will know the total cost as per their relationship with eBay.    The Funding source then issues an authorization number to the Merchant account and places the authorized amount "on hold" in the buyer's account.   This is where the amount authorized can change as some banks and card institutions will authorize up to 26% more to cover "accessorial charges" like shipping, taxes and fees.   

Now, at this point when the funding bank issues the authorization and places the funds on hold, if its a Credit Card, it will effect available credit limit and if its a Debit Card, it will lock up real money.

When the batch is closed with Adyen and a request for payment is transmitted, that pending authorization becomes a settled charge, in this case for the $12.99

It's my guess this is what the OP is experiencing.  

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That is nothing I've ever seen or experienced.  So beyond that IDK.  I can say my Visa, Mastercard nor Discover work in this fashion.  But I realize there may be some cards that act differently.

FYI, the mark up on the OP's amount purchased was a little over 56%.  That seems excessive under your explanation.