Can you pay a direct debit using a credit card?

M

Max Weber

Registered User
Messages
73
Specifically a three money card that i would top up?

I am a bit paranoid about handing over my bank details to anyone.
 
I can't answer for the specific instance, but I have a couple of debits paid by my credit card. I prefer to get all my payments on the same statement every month.
 
Technically, no. A direct debit cannot be made against a card, as it goes through SEPA, and must be made against an account.
However, similar function is achieved through a Recurring Card Payment (continuous payment authority). A lot of subscription services allow payment this way through cards.
It really depends on what you're trying to pay, and if the supplier can set up as a card payment.

In relation to your specific question re 3 money card, I'm a bit confused, but you might be using the wrong terminology.

It's not possible to set up a DD, so I'm not sure what you're trying to achieve? You can 'push' the money from your bank account, so a standing order would work. Or you can 'pull' the money from a debit card.

What are you trying to do, in plain English, and you'll get advice.

Edit: I think I misread your post - are you trying to top-up the 3 card, or you want to pay a direct debit using the 3 card?
 
Last edited:
RedOnion said:
Technically, no. A direct debit cannot be made against a card, as it goes through SEPA, and must be made against an account.
However, similar function is achieved through a Recurring Card Payment (continuous payment authority). A lot of subscription services allow payment this way through cards.
It really depends on what you're trying to pay, and if the supplier can set up as a card payment.

In relation to your specific question re 3 money card, I'm a bit confused, but you might be using the wrong terminology.

It's not possible to set up a DD, so I'm not sure what you're trying to achieve? You can 'push' the money from your bank account, so a standing order would work. Or you can 'pull' the money from a debit card.

What are you trying to do, in plain English, and you'll get advice.

Edit: I think I misread your post - are you trying to top-up the 3 card, or you want to pay a direct debit using the 3 card?
Click to expand...

Yes this, I would ideally like to pay my broadband using my 3 money card. And not have to use my bank account.
 
You'll have to check with the provider. They're all different.

My wife's Vodafone is prepay, and is an auto top-up via card every month. Mine is bill pay, and the only way to do it was via direct debit.

Just remember, you've got far more control with a Direct Debit than a card payment. With the card, you've given the authorisation up front, so you've very little ability to do a chargeback. And only the supplier can cancel it. It's out of your control.
With a direct debit, you can cancel it via online banking. And under the SEPA scheme you can recall payments that were made within certain time limits.
 
You must log in or register to reply here.
Back
Top