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Message: <blockquote data-quote="DoughnutANZ" data-source="post: 990464" data-attributes="member: 87627"><p>This is just the merchant (RENFE in this case) ensuring that they get paid for a purchase rather than lumbered with a charge back some time in the future.</p><p></p><p>I can fully understand them wanting to be paid.</p><p></p><p>All transactions that go through this process have the risk of fraud transferred from the merchant to the bank/credit union/financial institution that issued our card. Then they, of course, simply transfer that risk to us.</p><p></p><p>It is almost impossible to dispute a transaction that has gone through this process and so it is important that we have complete confidence in the process that our card issuer uses.</p></blockquote><p></p>

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