I accidentally charged a customer's card multiple times

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lisaml36
 
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I accidentally charged a customer's card multiple times

Postby lisaml36 » Fri Jun 07, 2013 2:21 pm

We are a very small company, I charged someone's card THREE times instead of one, and then did refund two of the charges. My question is will this mess anything up temporarily at either our end or the customers???? Thank you!


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FastSRT8
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Postby FastSRT8 » Sat Jun 08, 2013 12:42 pm

Not an expert by any means but from a customers perspective, if it clearly shows on my statement there were two refunds and you are able to provide me with confirmation of if asked, then I'm ok with it. No foul.
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MemberSince99
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Postby MemberSince99 » Sat Jun 08, 2013 1:08 pm

The only foul here I could see is if you put them over the limit, in which case the lender may sock them with an over limit fee for that, or if it put them close to the limit and they tried to charge something else and got declined (less of an issue). And of course that refund will typically take a couple of days to clear, so that MAY tie their card up from being used in the meantime. If it's a high limit card they may never notice otherwise it MIGHT be an issue.

I mean if it's a Cap One starter with a 500 limit, yeah they might get hit....(I've had those, they are so not fun...)

DoingHomework
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Postby DoingHomework » Sat Jun 08, 2013 3:13 pm

If you refunded them right away nothing will happen. There are a lot of variables at play but if you are a really small company then your charges probably all settle at once overnight so that the customer will get all of the charges at once. By law the credits must be aplied before the charges now so there should be no issue with over limits. If there are then of course you should pay any fees the customer incurs. It also depends on how you issued the refunds. If you issued them against the correct numbered transaction then the effect will be just to cancel. But if you did a refund separately then the customer might have outstanding authorizations that can cause them a problem. My suggestion is to immediately call your merchant services provider to make sure you dealt with everything correctly. This kind of thing happens all the time and is not a problem if you handle it right. But if you don't understand what you did then there is a good chance you did not handle it properly.

lisaml36
 
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Location: Sandwich, MA

Thanks to all of you!

Postby lisaml36 » Sat Jun 08, 2013 5:50 pm

Hopefully I'll still have a job come Monday! :)

rockyrock
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Postby rockyrock » Mon Jun 10, 2013 5:44 am

lisaml36 wrote:We are a very small company, I charged someone's card THREE times instead of one, and then did refund two of the charges. My question is will this mess anything up temporarily at either our end or the customers???? Thank you!


I can't speak for others but I know mistakes happen; what I care about is how they are handled. I would be looking for two things from you: Reverse the charges ASAP and notification of what happened and that you will make good on any adverse impacts.
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