WARNING The World Consumer Day: Payment Service Business Protection in Danger!
WARNING The World Consumer Day: Payment Service Business Protection in Danger!
On today's World Consumer Day, March 15, 2025, the consumer center in Arnsberg addresses the problems related to buyer protection for the common payment services PayPal, Klarna and Amazon Pay. These payment methods are often used for online purchases and promise a carefree shopping experience. However, more and more consumers are faced with problems with reversal, since many legitimate claims are rejected. Petra Golly, the head of the advice center, warns of false security, which is suggested by these buyer protection programs, and emphasizes that numerous consumers often come into advice without refunding dealers or payment service providers.
An example that illustrates the problem is the case of a young man who received inferior goods after a advance payment and received no money. These cases are not isolated cases; Complaints about inadequate reversal are increasing in the counseling centers of the consumer advice center, as well as Consumer Center. Despite a variety of evidence of product defects or non -deliveries, consumers often have difficulty using buyer protection. The decision on buyer protection lies at the discretion of the service providers and is not always understandable.
The challenge with fake shops
The consumer center urgently indicates the risk of fake shops. While online purchases are becoming increasingly popular-according to a survey from 2020, 48% of the respondents prefer the use of Internet payment services, it can be seen that not all providers are trustworthy. Among other things, signs of fraudulent shops can be inconsistencies in known addresses or conspicuously low offers. Consumers should also only find in advance as a payment method, although several alternatives would be available. Warning signals are also fake approval seals and incomplete imprint.
In order to secure themselves, buyers should search for contact with the bank when transferred and carefully collect receipts. In addition, the consumer advice center recommends that the documents be checked and, if necessary, a criminal complaint. It offers free lectures on the providers and protective measures tricks in order to better prepare consumers for such attempts at fraud.
legal situation and buyer protection
Buyer protection is often more complicated than expected in reality and is subject to the individual conditions of the payment service providers. Although buyer protection brings many advantages, it is also important to observe the legal options such as revocation and guarantee. These legal consumer rights exist regardless of the provider of a buyer protection program. Wolfgang Schweltzinski from the Consumer Center NRW emphasizes that it can often be easier to assert these legal claims, even if this also carries risks.
Overall, consumers should exercise great caution when buying online. Buyer protection can offer a lot of support, but the programs do not always apply, especially not with digital products or services. It is advised to prioritize the legal rights in case of doubt in order to be better prepared in the event of an event.
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