Simone Okoronkwo

Simone Okoronkwo began looking closely at payment methods after a card she rarely used was charged for a subscription she had forgotten. She reads guidance from regulators and consumer groups, compares fees and protections across cards, wallets and transfers, and tests checkout flows before explaining them.

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Personne validant un paiement en ligne sur un ordinateur et un smartphone bancaire, avec une carte posée sur le bureau.
12/11/2026

3-D Secure and Strong Customer Authentication: Why Your Bank Asks for Codes

When a card payment is made in a shop, the card and payment terminal provide physical elements that help establish who is paying. An online transaction is different. The merchant...
Person vérifiant un paiement récurrent sur un ordinateur avec une carte bancaire et un smartphone posés sur un bureau
10/11/2026

Cancelling a Recurring Card Payment: How Continuous Payment Authority Works

A continuous payment authority, often abbreviated to CPA, is an arrangement that allows a business to take payments from a debit or credit card on a recurring basis. The business...
Personne vérifiant un paiement en plusieurs échéances sur un ordinateur portable, avec un smartphone, un carnet et une calculatrice sur le bureau.
09/11/2026

Buy Now, Pay Later at Checkout: How It Works and What to Check

Buy now, pay later, usually shortened to BNPL, allows a customer to obtain goods or services immediately while paying in instalments. The payment option appears during checkout, either online or...
Personne vérifiant une transaction par carte de débit sur un smartphone avec des documents bancaires sur un bureau
03/11/2026

Chargebacks Explained: How to Dispute a Debit Card Payment

A chargeback is a payment dispute process that allows a cardholder to ask their bank or card issuer to investigate and potentially reverse a debit card transaction. The issuer sends...
Carte prépayée tenue au-dessus d’un smartphone affichant un paiement en ligne, sur un bureau avec un portefeuille et des pièces.
02/11/2026

Prepaid Cards for Online Purchases: Fees, Limits and Practical Use Cases

A prepaid card is a payment card loaded with money before it is used. Unlike a conventional credit card, it does not normally provide a line of credit. Unlike a...
Consommateur britannique examinant une carte de crédit, un reçu et un colis chez lui pour préparer une demande de protection au titre de la Section 75.
27/10/2026

How Section 75 Protects Credit Card Purchases in the UK

Section 75 is a legal protection under the Consumer Credit Act 1974. It can make a credit card provider jointly and severally liable when a supplier breaks a contract or misrepresents goods...