Bills & Receipts - Payments

[#1]

When paying for goods or services - in say a cafe/restaurant - there are normally two records you can be given (or ask for): An itemised bill and a payment receipt.

In some instances, the best example being an ordinary supermarket receipt, these are combined into one.
In other cases you may be given them separately, an itemised bill plus a payment transaction receipt.
In some cases you are normally only given a payment transaction receipt.

Nowadays many people pay charges using their mobile phone. My phone doesn't have NFC, even if it did I wouldn't use it to pay bills! I just pay with my physical credit card (even then, not by contactless!).

Can people who do use their smartphone to pay by NFC, in say cafes/restaurants, describe what appears on their phone. Is it a fully itemised bill + payment receipt, or just a payment record/receipt?

Thanks in advance.

[#2]

I can't say what appears on phone doing it that way, but in the restaurant example you give, they usually present you with an itemised bill before you pay?

[#3]

@jab1 

I am only interested in what appears on a phone.

[#4 · Accepted solution]

What appears in my phone using Google wallet is the transaction details .
Amount , time and location.
The itemised receipt is provided separately by the vendor if required
Hth

[#5]

"What appears in my phone using Google wallet is the transaction details .
Amount , time and location."

OK. Thanks for that - I assume this is indeed the default with phone transactions.

"The itemised receipt is provided separately by the vendor if required"

Therein lies many potential issues...

[#6]

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@pvmb wrote:

When paying for goods or services - in say a cafe/restaurant - there are normally two records you can be given (or ask for): An itemised bill and a payment receipt.

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So, exactly the same as when paying by a phone app. The app gives you the payment receipt and you can ask, if not offered, for the itemised bill.

If you pay by contactless card you don't get the payment receipt automatically.

I must admit to be sceptical about paying by phone. However, it's excellent for making small purchases. I also keep a laminated card in the car with the code numbers of all the pay by phone car parks in the district that we use. This enables me to pay for car parking with a parking app without having to get out of the car. It eliminates all the hassle of having to walk to a machine with loose change and fiddling with the keyboard.

My solution to security concerns is not to use a banking app but have a separate account with no overdraft provision registered to the phone wallet app. I transfer sufficient for minor purchases into this account monthly. If the phone is lost or stolen then there's never a significant amount of money at risk and no connection to my main bank account.

[#7]

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@Baldrick1 wrote:

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I also keep a laminated card in the car with the code numbers of all the pay by phone car parks in the district that we use. This enables me to pay for car parking with a parking app without having to get out of the car. It eliminates all the hassle of having to walk to a machine with loose change and fiddling with the keyboard.

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... and avoids the risk of being scammed by a substituted QR code on the pay and display boards.

[#8]

To (partially) explain. The background issue here isn't really about phones, it's about contactless payments, which includes phones.

I guess nowadays most people paying contactless - in circumstances where a paper 'bill' is not usually presented - no longer ask for a receipt (i.e. a bill) even if they do get a payment receipt (as on a phone). That verifies the payment but...

What happens if the billing goes wrong (as it has). How many people, paying contactless (even with a phone), would even notice? - one, two, three, many? Unless they had asked for a "receipt" as I do.

[#9]

The benefits of Apple Pay/ Google wallet are there aren't the payment restrictions that you get with a physical card. The level of allowed funds transactions seems to be unlimited, nor confirming PIN or anything like that, as it already secured on your phone. Receipts are asked for at the time, as you would do when paying with cash or cheque, unless in somewhere like Currys, where they insist on emailing the receipt. 

I wouldn't think most people worry about receipts for smaller purchases, tea, coffee, McDonalds, etc, unless you were needing it for expenses purposes. The only place I have used my card/ phone where you can't get a receipt is in London on the tube/ DLR/ buses. But there is a daily capped fare in place, no matter how many times you tap. Trying to work out what you have spent there can be tricky at the best of times!

If something goes wrong, a lot of companies can look up the sale by the transaction code.

Mark

[#10]

@Marksfish 

"Receipts are asked for at the time, as you would do when paying with cash or cheque, unless in somewhere like Currys, where they insist on emailing the receipt."

My impression is, with contactless payments (using whatever technology), many/most people no longer bother asking for receipts where they are not automatically produced - as in a supermarket. Am I wrong?

"If something goes wrong, a lot of companies can look up the sale by the transaction code."

Sure they can! They can then say "Everything checks OK" because the items on the orders have been charged at the correct price and the charged items do add up to the total charged.

One small problem: What if what is on the bill is not what was ordered and not what was served?

That's when it starts to get complicated...

In particular, is this a 'one-off' (alright, certainly a two-off, seemingly a likely three-off. So why not a...). Putting it another way: Is this a one-off or a systemic or even generic issue?

(Remember, Horizon couldn't possibly be at fault)

[#11]

When I go to Tesco, Sainsbury's, Wetherspoons, any hotel, I always get a printed receipt. McDonald's generally gives on out when you order, or it comes with your food. Using the phone or contactless is really no different to chip and pin or swiping, or even cash, as people don't always ask for a receipt with them either, so the same scenario?

Below is a receipt I got from a restaurant, but, as already mentioned by another, you have already had the bill presented beforehand.

[#12]

@Marksfish 

"When I go to Tesco, Sainsbury's, Wetherspoons, any hotel, I always get a printed receipt. McDonald's generally gives on out when you order, or it comes with your food. Using the phone or contactless is really no different to chip and pin or swiping, or even cash, as people don't always ask for a receipt with them either, so the same scenario?

Below is a receipt I got from a restaurant, but, as already mentioned by another, you have already had the bill presented beforehand."

So not really relevant, then? 🙂

Anyway, I have already had my answer, wrt to paying by phone.