An unfamiliar charge on your statement
Most unrecognised charges are not fraud. They are a legal entity you have never heard of, a subscription you forgot, or a fee attached to a purchase you do remember.
Cards, wallets, bank transfers and crypto: how the money moves, who holds it on the way, and where the fees hide.
Most unrecognised charges are not fraud. They are a legal entity you have never heard of, a subscription you forgot, or a fee attached to a purchase you do remember.
A refund and a chargeback end the same way — the money comes back — but they are different processes with different costs.
Both put money online without giving a shop your card details, and there the similarity ends.
Wallets are marketed as instant, and inside their own walls they are. The delay appears at the edges: when money enters the wallet from somewhere else…
Money leaving an online account — a marketplace balance, a freelance platform, a wallet, a broker — moves in two separate stages.
Pay by bank moves money straight from your account to the seller's, with your banking app doing the approving.
The price in the advertisement is the base price. The figure that leaves your account is the base price plus equipment, plus administration…
Paying online with a card, a wallet or a bank transfer looks like the same act with three buttons.
Payment services close, merge and rebrand regularly, and the balance sitting in one is not a bank deposit.