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Online shopping via bank transfer?

  • 09-09-2011 12:05am
    #1
    Usjes
    Registered Users, Registered Users 2 Posts: 326 ✭✭


    Hi,

    I was planning on booking a Yoga holiday in Turkey but when I got to the payment stage I found that they don't accept credit cards and they want the funds transferred to their bank account:

    We will email you our bank details once we receive this form. What amount will you be transferring? (eg £75 if deposit only)*

    Alternatively they accept cheques but given that the holiday starts in about two weeks they will want the full amount immediately and it wouldn't be practical to wait for a cheque to clear to confirm my booking.

    I have a notion in my head that paying online by bank transfer is a big no-no. The website more than likely is legit, but it could be a scam and once I have transfered the funds, if the holiday turns out to be fictitious then I have no recourse. The money is gone.

    Am I correct? Would I be mad to pay via a bank transfer, or would this be as safe as a credit card payment?

    Thanks,

    Usjes


Comments

  • #2
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    Usjes wrote: »
    Am I correct? Would I be mad to pay via a bank transfer, or would this be as safe as a credit card payment?

    Bank transfer is the same as handing over cash. Do not do it unless you know and/or trust the recipient.


  • #3
    Usjes
    Registered Users, Registered Users 2 Posts: 326 ✭✭Usjes


    jor el wrote: »
    Bank transfer is the same as handing over cash. Do not do it unless you know and/or trust the recipient.

    Yes, that was my thinking I just wanted confirmation. I think the site is legit. and that they don't take Credit cards to keep costs down (I found this when paying in person when on holiday in Turkey in the past), but online in advance it just seems very risky. What about paying by cheque in advance, does that leave me in the same boat once the cheque has cleared before I arrive on site to find whether or not the holiday is legit? Or is a cheque (which clears before I receive the service) somehow inherently safer than a bank transfer ?


  • #4
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    A cheque would offer no protection either. Once you sign it and send it off, the money is theirs.


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