I ordered something online from Livique which had a long lead time on it, so I selected „kauf auf rechnung“, and expected to either receive the bill on delivery or per email. Neither of these things happened. I‘ve now received a bill from „paycard“, asking for a „minimum“ payment of 10% although there is also an option to pay the full amount. It looks a bit dodgy as it‘s printed in slightly blurry ink, as if from some ancient B&W inkjet printer. But order number, date of purchase, amount, all my details etc match and I was eventually convinced it was genuine. Then I tried to pay it and UBS flagged it as a potential scam :S.
Can anyone familiar with paycard confirm if this is normal and what their bank account details are? There doesn‘t seem to be any way to contact livique about it and googling „paycard“ gets me no hits except reddit. There‘s a web address on the dodgy looking letter which looks entirely genuine but I don‘t exactly trust it when google never seems to have heard of this company.
I‘ve got no interest in installments and want to pay the bill in full - just want to check it‘s not a scam first!
Pay card is associated with coop, and that is what they use for rechnung type payments. Livique is part of coop. If you have not recieved your item, you might want to check on it though.
I have received the item. The two red flags are just the dodgy printing and UBS flagging it - I would expect UBS to know what Paycard’s bank details are.
I would expect ubs to know, but as a recent new customer (transitioned from credit Suisse) I have seen some weird glitches, so check with them as well…
Usually order, if possible, for payment upon pickup. If not, and It is a known trust worthy company then always with Visa. Otherwise saving a few franks is not worth it.
It was nothing to do with saving money, I just did not want to pay in advance for something with a 2 month lead time. This follows a recent experience of returning something I had paid for in credit card and had to return, and then not getting the refund for more than 2 months. I’ve used pay by invoice many times over the years but have never encountered PayCard before.
Update on this: I called Livique who confirmed it was genuine. I paid it and it now shows as paid in my account. So if you order from Coop group and get an unexpected bill from PayCard printed in dodgy ink, no need to worry…
It seems UBS are going the same way as UK banks where they tell you every new payment may be fraudulent and ask you to confirm you accept this before making the payment. I find this very frustrating, banks have so much more information than I do to assess this. Specifically for PayCard and any other large Swiss businesses, they should know what their bank details are. Warning for every transaction just devalues the whole process
Not when you don’t have a car and the item is too large to carry on public transport!
Also, not when the item is located on the other side of the country.
I do use order for pickup, but only if it’s local and ideally when I can get it on a bike or if not public transport. I no longer have a car, so it needs to be significant to make it worth hiring. Mostly in such cases delivery is much more convenient and also cheaper.
