TESCO UPT appears on Bank Statement

mrsoundie · 02-11-2012 4:12pm #1

Just been reviewing my statements and this "TESCO UPT" appears. I check it out and its for when I used a Tesco Unmanned Petrol Pump.

WTF, they are charging me for making there life easier and mine as well.

Anyone else seen this?

RangeR · 02-11-2012 4:19pm

mrsoundie wrote: »

Just been reviewing my statements and this "TESCO UPT" appears. I check it out and its for when I used a Tesco Unmanned Petrol Pump.

WTF, they are charging me for making there life easier and mine as well.

Anyone else seen this?

For how much?

Was it for the actual petrol [the cheek] or an admin fee for using unmanned?

wolfyboy555 · 02-11-2012 4:20pm

Ye I have seen the same on mine. It's €1 for each time you use it unmanned!

mrsoundie · 02-11-2012 4:21pm

Its an admin charge as it appears separately on my statement.

I know its only €1, but why?

Paulw · 02-11-2012 4:24pm

Have you contacted Tesco to query it? What have they said?

mrsoundie · 02-11-2012 4:29pm

Trying to find a number to ring them on, that wont cost me (I am on a mobile).

Will E Mail them if I cant and post reply here.

Have checked other websites especially UK ones and thats the common answer.

Stand by.

RangeR · 02-11-2012 4:40pm

Is there a notice at the pump to say that there will be an admin charge? If so, there is no consumer issue.

matt-dublin · 02-11-2012 5:08pm

did you buy petrol? i would suspect its a holding amount that will update if you purchased petrol

mrsoundie · 02-11-2012 5:18pm

This is what I sent :-

Dear Sir or Madam,

I recently checked my Bank Account and discovered that I have been charged by Tesco €1 under the heading "TESCO UPT".

I have discovered that this is from using the unattended Petrol Pumps.

Can you conform this and if it is true can you tell me why this charge is not explained up front.

If this is not for the Petrol Pump then what is it for?

Thank you.

And there are no signs at the pumps, stating anything about an admin charge.

fasttalkerchat · 02-11-2012 5:21pm

Are you sure this amount wasn't refunded later? Possibly you selected €20 so they charged you the €1 in case you went slightly over the €20 and then refunded the difference later.

Just an idea.

matt-dublin · 02-11-2012 5:33pm

did you actually buy petrol from one of their payment pumps?

mrsoundie · 02-11-2012 5:34pm

fasttalkerchat wrote: »

Are you sure this amount wasn't refunded later? Possibly you selected €20 so they charged you the €1 in case you went slightly over the €20 and then refunded the difference later.

Just an idea.

Just checked and the last time I used those pumps I did not specify the amount I wanted, just filled away and stopped it my self. And that amount has been debited correctly.

You have two choices at the Tesco pumps thats is either set the amount or do it yourself. I find the set amount not as quick as doing it yourself.

No reply from E Mail yet.

ResearchWill · 02-11-2012 5:38pm

Just guessing here, but I assume it works as follows, insert card €1 charge taken to prove pin and card work, then you fill car say €50, second charge applied to card for €49.

To the OP is there just one single charge or 2 in close proximity adding to your fill cost or your fill cost plus €1.

wmpdd3 · 02-11-2012 8:58pm

Yeah, as far as I know the new pumps charge you €1 then the amount you want to pay then refund you the €1.

No good to me, I usually barely have €18 when I go there for petrol, if they charged me €1 pre authorisation , €17 wouldnt be enough to switch off the petrol light.

For ages in my local Tesco you could get petrol on you laser even though you had no money and when you got a credit into your bank account, the money was taken, I dont have an overdraft.

mrsoundie · 02-11-2012 10:05pm

Have gone through the account and all Tesco transactions have been paid. The only outstanding one I have is from Tesco but its for grocery shopping which was not done through a self service till.

The €1 is still listed as pending as is the grocery transaction.

Still awaiting reply from Tesco, will post again when I have the reply (please God).

wmpdd3 · 02-11-2012 11:24pm

Maybe try you bank, if its a pre-authorisation they would be able to see it. If it was a POS charge they'd also be able to tell you that, atleast you'd know then.

Tesco will probably have to pass the question to Ulster Bank before they get back to you.

I got petrol at the Pay at pump an hour ago, no charge on my account, just the amount I pumped.

That was with BOI visa debit.

mrsoundie · 02-11-2012 11:30pm

I am using a Laser card, so that will always take its time.

dudara · 03-11-2012 12:46am

This sounds like a pre-authorisation on the card, which has failed to drop off. This was probably done as part of an initial check on the card when you put it in the machine.

How old is the charge? I'd suggest ringing your card provider and asking their advice.

mrsoundie · 03-11-2012 10:33am

ResearchWill wrote: »

Just guessing here, but I assume it works as follows, insert card €1 charge taken to prove pin and card work, then you fill car say €50, second charge applied to card for €49.

To the OP is there just one single charge or 2 in close proximity adding to your fill cost or your fill cost plus €1.

wmpdd3 wrote: »

Yeah, as far as I know the new pumps charge you €1 then the amount you want to pay then refund you the €1.

No good to me, I usually barely have €18 when I go there for petrol, if they charged me €1 pre authorisation , €17 wouldnt be enough to switch off the petrol light.

For ages in my local Tesco you could get petrol on you laser even though you had no money and when you got a credit into your bank account, the money was taken, I dont have an overdraft.

dudara wrote: »

This sounds like a pre-authorisation on the card, which has failed to drop off. This was probably done as part of an initial check on the card when you put it in the machine.

How old is the charge? I'd suggest ringing your card provider and asking their advice.

All above are right, here is the reply from Tesco @ 08:33 this morniig

Hello, my name is Samantha and I am a Customer Service Manager, who will be dealing with your email.

I am sorry to learn that you have been charged €1.00 when recently using one of our Pay at Pumps. I can appreciate how concerning this must have been for you.

I have therefore, looked into your comments with my Support Team; they have advised me that €1.00, is not actually deducted from your card, but will appear on your account. This is to ensure that their is sufficient funds to take payment.

I hope this explains our position and thank you for contacting me.

Kind regards

Samantha Attwell
Tesco Ireland Customer Service

The €1 is still recorded as a pending transaction, I think the weekend may be holding up it being cleared.

Will keep you updated as to this outcome.

Thanks to everyone for their contributions.

wmpdd3 · 03-11-2012 11:28pm

I understand what they are saying but even though the €1 is only 'reserved' you cannot spend it, while its reserved.

Its a good thing its only €1.

RangeR · 04-11-2012 2:03am

mrsoundie wrote: »

I have therefore, looked into your comments with my Support Team; they have advised me that €1.00, is not actually deducted from your card, but will appear on your account. This is to ensure that their is sufficient funds to take payment.

This is the bit I don't understand. I understand the need for a pre auth. But the reason she gave you is BS.

wmpdd3 · 05-11-2012 2:44pm

It does sound a bit wrong, last time I stayed in a hotel, they pre-authorised the €80 from my card (VISA) and it dropped of a day later, then the hotel charged my card the €80.

In all honesty they couldn't pre-authorise €20 for petrol and then charge you the €20 as it may not be on the card if its a VISA debit card, as the customer may not have €40, (even though the other €20 will drop off.)

OP, would you have pumped a little bit then let go the pump then re-pumped? I know you have to replace the pump for the sale to total off. Maybe that's how you were charged.

mrsoundie · 06-11-2012 11:58am

Hello all, just back and checked my bank Account to discover that the €1 is still in the pending section.

Now off I go ringing no doubt both Tesco and the Bank to clear this up, or do I just wait and save the money I will have to use making calls etc?

testicle · 06-11-2012 12:04pm

It's a pre-auth from when you bought petrol. It'll be refunded in time. Now calm down, and carry on.

matt-dublin · 06-11-2012 12:41pm

Id get onto your bank about it, sounds like a problem on their end rathar than an issue with tesco. otherwise thousands of people would be complaining??

peppa 1986 · 06-11-2012 7:32pm

When buying petrol at the unattended pumps, tesco get authorisation first to confirm that card is in order and not stolen etc. The minimum amount they can use to get this authorisation is one euro. The euro is held but not charged. The amount of the petrol is charged. The hold goes off the account after a period of usually 5 working days.

alclarke · 13-03-2013 2:04pm

mrsoundie wrote: »

Just been reviewing my statements and this "TESCO UPT" appears. I check it out and its for when I used a Tesco Unmanned Petrol Pump.

WTF, they are charging me for making there life easier and mine as well.

Anyone else seen this?

I've just rang customer services, they told me the charge will go bank into your account after 3-5 days

mathepac · 13-03-2013 3:01pm

ResearchWill wrote: »

Just guessing here, but I assume it works as follows, insert card €1 charge taken to prove pin and card work, then you fill car say €50, second charge applied to card for €49. ....

No, the ***** put through a €1 charge then the full amount. It' a right racket as it can take up to 10 working days (apparently no-one in the banks, credit-card companies or Tescos works week-ends or bank-holidays, so Sat & Sun don't count) to get the money back. The sickener is they do not tell you about this extra charge up front. They claim it's an "industry standard" - when I asked which industry the bird on the phone hummed and hawed a bit.

More rip-off merchants taking money from cards and leaving amounts blocked for up to 2 weeks elapsed time afterwards. At least they're not as bad as the hotels with their booking deposit taken and then the full amount taken, leaving the deposit blocked on the card for up to 2 weeks. BTW it doesn't matter if it's a Laser / debit-card or a credit-card.

mathepac · 13-03-2013 3:08pm

alclarke wrote: »

I've just rang customer services, they told me the charge will go bank into your account after 3-5 days

I can assure you it won't. TescoMobile Ireland took a €1 "authorisation fee" off my credit-card on 14/2/2013. It still has not been refunded. It took them 2 full weeks to refund €40 they blocked on a Laser card of my daughter's and 2 X €1 "registration fees" they put through on the same card. They are liars.

wmpdd3 · 13-03-2013 3:52pm

There's signs up on all the Tesco petrol stations I have been to, saying that they do not accept Laser cards, but I still use mine (AIB).

Out of the last 3 months, I got petrol every Monday, 4 times they took the €1 and I had it back in my account on a Thursday. Tesco use Ulster bank if that helps.

Pablo Sanchez · 14-03-2013 9:45am

mathepac wrote: »

No, the ***** put through a €1 charge then the full amount. It' a right racket as it can take up to 10 working days (apparently no-one in the banks, credit-card companies or Tescos works week-ends or bank-holidays, so Sat & Sun don't count) to get the money back. The sickener is they do not tell you about this extra charge up front. They claim it's an "industry standard" - when I asked which industry the bird on the phone hummed and hawed a bit.

More rip-off merchants taking money from cards and leaving amounts blocked for up to 2 weeks elapsed time afterwards. At least they're not as bad as the hotels with their booking deposit taken and then the full amount taken, leaving the deposit blocked on the card for up to 2 weeks. BTW it doesn't matter if it's a Laser / debit-card or a credit-card.

Its completely standard, the same system is used in any other garage that has pay at pump. Hardly a rip off, or part of some great scheme to part you with your cash. If your unable to be without the use of the euro, you can always just go in and pay in the shop.

mathepac · 14-03-2013 11:12am

Pablo Sanchez wrote: »

Its completely standard, the same system is used in any other garage that has pay at pump. Hardly a rip off, or part of some great scheme to part you with your cash. If your unable to be without the use of the euro, you can always just go in and pay in the shop.

I can assure you that it's a brand new imposition by the banks / retailers and my post clearly raises an issue about an amount greater than €1, but if you must submit childish remarks about posts you haven't read and clearly don't understand then be my guest, have your juvenile fun; as this is not AH your post adds nothing of any value to the thread.

I've been using debit and credit cards for very long time and with a huge range of bricks and mortar and online retailers. Tescos are and the hotels are in a minority in double-dipping charges against cards and blithely lying about how long it takes to have the money credited.

Pablo Sanchez · 14-03-2013 11:15am

mathepac wrote: »

I can assure you that it's a brand new imposition by the banks / retailers and my post clearly raises an issue about an amount greater than €1, but if you must submit childish remarks about posts you haven't read and clearly don't understand then be my guest, have your juvenile fun; as this is not AH your post adds nothing of any value to the thread.

I've been using debit and credit cards for very long time and with a huge range of bricks and mortar and online retailers. Tescos are and the hotels are in a minority in double-dipping charges against cards and blithely lying about how long it takes to have the money credited.

So what's in it for them?

RangeR · 14-03-2013 11:25am

Pablo Sanchez wrote: »

So what's in it for them?

Interest free loans, that gain Tesco interest in their bank account.

You could call it, free money.

mathepac · 14-03-2013 11:29am

Several million transactions per week world-wide means several million euros to invest in over-night markets to make enough money to off-set the transaction charges imposed by the credit-card companies for example.

Tescos run a bank. Does anyone know if the charge goes on a Tescos credit-card? If not, there's an incentive to switch to their card. They seem to be doing a Ryanair in retailing Unless you use a preferred method of payment there's a short-term penalty. We'll charge you for filling your own diesel and we'll charge you for paying us.

Pablo Sanchez · 14-03-2013 11:30am

Yeah but Tesco do not receive the money or have the use of it

When a merchant swipes a customer's credit card, the credit card terminal connects to the merchant's acquirer, or credit card processor, which verifies that the customer's account is valid and that sufficient funds are available to cover the transaction's cost. At this step, the funds are "held" and deducted from the customer's credit limit (or bank balance, in the case of a debit card) but are not yet transferred to the merchant. At the end of the day, the merchant instructs the credit card machine to submit the finalized transactions to the acquirer in a "batch transfer," which begins the settlement process, where the funds are transferred from the customer's accounts to the merchant's accounts. Contrary to popular belief, this process is not instantaneous: the transaction may not appear on the customer's statement or online account activity for one to two days, and it can take up to three days for funds to be deposited in the merchant's account.

http://en.wikipedia.org/wiki/Authorization_hold

Solair · 14-03-2013 11:35am

I never understand the point of these things, or direct debt as they don't ensure payment.

A bank will decline if there are insufficient funds and no overdraft facility or flexibility in place.

Doesn't matter that they've checked that a 1 Euro worked all that proves is you've good for 1 Euro

matt-dublin · 14-03-2013 11:36am

over to the conspiracy theory forums with the lot of you!

mathepac · 14-03-2013 11:41am

Pablo Sanchez wrote: »

Yeah but Tesco do not receive the money or have the use of it ...

How do you know? That piece you quoted doesn't describe the process of double-dipping which is what we are discussing here. It describes in great detail the process that does NOT take place when you pay Tescos or book a hotel-room.

mathepac · 14-03-2013 11:45am

matt-dublin wrote: »

over to the conspiracy theory forums with the lot of you!

That post might be more appropriate to AH as it contributes nothing of vale to the debate here.

Pablo Sanchez · 14-03-2013 11:55am

mathepac wrote: »

How do you know? That piece you quoted doesn't describe the process of double-dipping which is what we are discussing here. It describes in great detail the process that does NOT take place when you pay Tescos or book a hotel-room.

Well to put things to bed i have emailed Tesco with the query, il report back when i hear anything.

keithclancy · 14-03-2013 2:12pm

https://www.google.de/search?q=1+pound+pre-auth+tesco&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a#hl=en&safe=off&client=firefox-a&hs=GuT&rls=org.mozilla:en-US:official&q=+site:forums.moneysavingexpert.com+1+pound+pre-auth+tesco&sa=X&ei=9cpBUfDpHebl4QSsuICwBQ&ved=0CEcQrQIwAQ&bav=on.2,or.r_cp.r_qf.&bvm=bv.43287494,d.bGE&fp=aef84b2676c9749c&biw=1280&bih=893

You guys should get together.

In any case its all quite normal.

matt-dublin · 14-03-2013 2:52pm

mathepac wrote: »

That post might be more appropriate to AH as it contributes nothing of vale to the debate here.

this may be true but you've no back up for youw sweeping statements. you've just made an assumption and are running with it.

when you have some evidence to support your claim im looking forward to seeing it but i don't think i ever will.

Pablo Sanchez · 14-03-2013 9:43pm

Well that was a quick response!

Dear Pablo

Thank you for your email. My name is xxxxx and I am the Customer Service Manager who is responsible for answering your email.

I can confirm that the €1.00 is a check made by us to make sure you have enough funds in your account. This is never taken it just pends in your account until full payment is made.

Please feel free to respond if there are any other queries you need to raise, I would be happy to personally help you with anything further.

Kind regards

xxxxxx xxxxxxxx
Tesco Ireland Customer Service

wmpdd3 · 14-03-2013 9:49pm

So same answer post #19 so.

The €1 is not taken, but you can't spend it while it's reserved!

mathepac · 14-03-2013 11:37pm

matt-dublin wrote: »

this may be true but you've no back up for youw sweeping statements. you've just made an assumption and are running with it.

when you have some evidence to support your claim im looking forward to seeing it but i don't think i ever will.

Please troll elsewhere. Thanks.

Pablo Sanchez wrote: »

Well to put things to bed i have emailed Tesco with the query, il report back when i hear anything.

Their response puts nothing to bed for me I'm afraid. What would you expect Tescos call-centre rep to say to say in any case? They have scripts that they churn out in response to queries. If you'd asked him a few weeks ago how much horse-meat Tescos sold in the food-products, what response would you have expected?

keithclancy wrote: »

... In any case its all quite normal.

No it's not, it's new. I have held and used ATM cards, debit cards, credit cards, charge cards, cheque books, etc. I have never experienced this pre-charge charge until recently and it is only used by a small number of retailers.

Fuel companies don't impose the charge when I fill up at their pumps, amazon (.co or .co.uk) don't impose it (and it is an imposition) , the online company I buy my HP / Canon printer supplies don't impose this charge, so no, it is not a "standard" of any kind; it's an imposition.

I shop in Europe and the US (face-to-face transactions) and have never seen one of these pre-charge charges on a statement.

wmpdd3 wrote: »

... The €1 is not taken, but you can't spend it while it's reserved!

If I can't spend it, it's taken as it is not in my account.

Putting the old accounting head on, the books must balance.

The money is not in my account and after exhaustive queries the bank tells me Tescos have the money as the bank does not have a holding account for these transactions. They cannot as they don't initiate the charge. Therefore Tescos are lying again; they have the money and they use it as they wish for periods in excess of a month. My credit card is still missing one euro since 12/02/2013. The card company (bank) tell me Tescos have and only they can reverse it.

So how does the card terminal software / firmware distinguish between the pre-charge transaction and the charge transaction? Is there anyone working with these machines / systems who can confirm that all the €1 charges go to an escrow account and not the retailer's regular account?

wmpdd3 · 15-03-2013 1:02am

Ever stay at a hotel?

Cabaal · 15-03-2013 8:37am

mathepac wrote: »

No it's not, it's new. I have held and used ATM cards, debit cards, credit cards, charge cards, cheque books, etc. I have never experienced this pre-charge charge until recently and it is only used by a small number of retailers.

My my, atleast if you're going to rant about something atleast have a clue. You also understand cheque books work VERY differently to credit or debit cards right?...its silly why you even mention them

First off it is not a "charge", it is an authorization....the retailer never gets the 1e at all its just held by your payment provider and is released within a certain amount of time. The retailer can never refund it back to you because they never actually get it.

amazon (.co or .co.uk) don't impose it (and it is an imposition)

Really?
Sure about that, bet your life or are you once again talking nonsense?

http://www.amazon.co.uk/gp/help/customer/display.html/ref=help_search_1-1?ie=UTF8&nodeId=200499040&qid=1363332484&sr=1-1

What is this £1 charge on my statement?

When you place your first order with us or enter your credit card number in order to view pages inside books, we may contact your credit card's issuing bank to confirm that your credit card is a valid number, and has not been reported as lost or stolen. This is communicated via a £1 authorisation.

However, we do not actually proceed with the charge. This will not appear as a charge on your credit card statement. This is simply one of the security measures we use to protect our customers.

http://www.amazon.com/gp/help/customer/display.html/ref=hp_rel_topic?ie=UTF8&nodeId=201132830

When you place your first order with us or enter your credit card number in order to view pages inside books, we may contact the credit card's issuing bank to confirm that the credit card is a valid number, and hasn't been reported as lost or stolen. This is communicated via a $1.00 authorization.

I think you'll find the likes of Amazon do and have done for years,

I'd suggest you stop ranting as you are looking like a fool as its very very clear you don't know what you are talking about...you only "think" you do.

This is all normal and has happened for years, whilst you may claim to be used to credit cards and the likes its evident that you lack experience with them none the less.

matt-dublin · 15-03-2013 9:03am

Mathepac

The only person here who is trolling is yourself. This form of authorisation has been done by retailers since the introduction of electronic transactions!

You're not being one upped here, the authorisation is to actually prove your bank account exists otherwise you could take 100 euro of petrol on a dodgy card.

dudara · 15-03-2013 10:06am

mathepac wrote: »

Please troll elsewhere. Thanks.

Please leave the moderating to the moderators

dudara

15-03-2013 2:02pm

Was linked to this by the Multinational Unjust Petrol Pumping Euro Taken (MUPPET) site. Can't believe Tesco are getting away with this. What say we get together and all donate a cent to reunite OP with their euro via a Paypal site?

'It is industry practice to do $1 authorization charges to a CC to verify it's validity' Damn, not Paypal then.

Transferring funds isn't instantaneous. You didn't choose a set amount so how is the payment supposed to be taken? If it was after you finished then you could have had a tank full of petrol on someone elses card which can't then be processed. If you chose a set amount that could be 'held' and although it pumps slower for you, think of all the time in the world you will have saved for yourself, customer service people, bank people and everyone reading this g.rippy conspiracy theory

TESCO UPT appears on Bank Statement

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