Making payments with a credit or debit card is increasingly common, and cases of making small payments are also increasing since contactless has simplified operations. When paying it is very common in the business to ask “Do you want a copy?” and the response can make the difference between a smooth operation and an unnecessary problem.
From the Bank of Spain clarify that said copy is not necessary, so it can be safely said that it is not. This is also a way to save paper, since the receipt received will most likely end up in the trash.
Despite this, the entity explains that before rejecting the copy it is It is important to check that the amount charged is correct. In addition, they warn that saving the ticket can avoid complications and maintain control over expenses.
How to avoid errors in card payments
The gesture of paying by card since the use of contactless has become widespread and reached mobile phones, it has become so normalized that many do it unconsciously. To a large extent it is done as a secure gesture, since it is not necessary to enter the PIN if the amount of the operation is less than 50 euros, and The feeling of security or of not making mistakes is greater when the amounts are small.
However, the Bank of Spain highlights the importance of checking the amount that appears on the POS screen before approaching the card. Although most errors are rare, it is always easier to detect them at the time of operation than to fix them later.
If you finally decide not to request a copy of the ticket, it is essential to ensure that the amount is correct before completing the payment. This simple step can prevent problems later, such as incorrect charges that could be difficult to claim without proof.
How to control expenses effectively according to the Bank of Spain
Although the majority prefers not to accumulate paper tickets for practical or environmental reasons, the Bank of Spain recommends Keep at least the store’s purchase receipt, as it serves as a reference to verify that the charge made matches the amount paid.
Currently, many establishments also offer the possibility of obtain an electronic ticket, a more sustainable option that allows you to keep a record without using paper.
Furthermore, for a more exhaustive control of the operations carried out with the card, it is recommended Periodically review charges on your bank account. This habit can help detect possible errors or unauthorized transactions.
Finally, the Bank of Spain suggests activate notifications by SMS or by the banking application of the movements made with the card, which will facilitate real-time control of expenses and greater security.