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Intuit “QuicKBooks” and credit card question…

theo

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O.K. I am a computer dunce. I know it, I acknowledge it and I accept it. It’s simply not an area where I want or choose to allocate much (if any) of my limited grey matter (although I am always very attentive to maintaining current privacy, anti-virus, anti-spyware and malware protective programs and other measures on my computer).

That said, I am baffled by something that I encountered today and would welcome some informed feedback or possible explanations. Details follow.

A few days ago, I initiated the repair of a boat cushion at a new local marine canvas shop, with which I had never before done any business. I left the cushion and a 50% deposit (by personal check) on the estimated cost of the work. Very nice folks, grateful for the business.

Last night I received an email, indicating that the cushion was repaired and ready to be picked up, with an invoice (QuickBooks) for the balance due and a link to pay the balance online via credit card, which I proceeded to do.

Moving toward the bottom of the invoice page to select a credit card, before even getting to identify or select a card or entering any card info at all, the balance was suddenly paid via one of my valid (and most frequently used) credit cards, in the correct amount, but without my ever having entered even a single piece of information about that card. A little spooky, quite frankly. Picked up the cushion today (very nice work) and when I described and asked about what I had experienced on line, all that was offered was that “that card info must be stored on your computer”. Perhaps so, but it’s still frankly quite a mystery to me how a charge could possibly be made onto a card for which I had not yet provided even a single piece of cc information for a transaction with an entity where I had never before conducted any business.

Any theories or possible explanations from anyone here more computer savvy than I could ever claim to be (that would be almost anyone)? No harm was done, the bill was paid in the correct amount, but I found it a bit disconcerting that QuicKBooks was somehow finding, selecting (and then promptly charging) my credit card without my having manually entered so much as even a single piece of credit card information. What am I missing here? :shrug: :ponder::shrug:
 
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Most browsers can store CC information from a previous online transaction. The browser will ask you if you want to save that information, and if you did, it could have been used to automatically populate the QuickBooks form when you went to pay that invoice. That's my best guess.

Kurt
 
Most browsers can store CC information from a previous online transaction. The browser will ask you if you want to save that information, and if you did, it could have been used to automatically populate the QuickBooks form when you went to pay that invoice. That's my best guess.

Kurt

Thanks Kurt for the input; much appreciated. I would never knowingly agree to a browser "saving" any of my credit card information, but I most certainly could have made a mistake somewhere along the way, inadvertently allowing that to happen (...did I mention that I am a bit of a computer dunce? ). I know that credit card info is stored within Amazon accounts (including mine), but it seems unlikely that a browser could retrieve that info from that source if / when the account is not even "open". I could be wrong.

I am not inclined to believe that there was anything willfully nefarious going on there, but I'll be watching for any new, strange charges on that card just the same. :shrug:
 
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Many browsers, like Chrome will offer to save these as a way to speed things up. But sometimes if can be easy to miss when they offer if your clicking too fast.

For Chrome, you can check your Google account, and then look under payments and subscriptions to see what has been stored. You can update or delete card details there. I assume the other browsers have a similar options.

It also possible Quickbooks stores that information for you, but i don't think it would transfer between merchants..
 
I agree about the auto-saving about credit cards, but I have never come across one (and I do this a lot) where you don't have to put your security code in also. Any chance the merchant had a card on his/her files from previous payments to them and used it to 'prepay' the bill, perhaps assuming permission?
 
I agree about the auto-saving about credit cards, but I have never come across one (and I do this a lot) where you don't have to put your security code in also. Any chance the merchant had a card on his/her files from previous payments to them and used it to 'prepay' the bill, perhaps assuming permission?

Nope, not a chance. This particular small business is very new and I had not had any previous transactions with them at any time, online or in person. :shrug:
 
It's not a business or Quickbooks issue.

It is going to be a browser issue being connected to Google Pay or Apple Pay which has stored your CC information.

With Chrome, you can see if anything is set up by looking at the upper right option hamburger menu:
Settings -> Autofill -> Payment Methods

I'm sure other browsers have other methods to edit payment methods.

In the case of Chrome, it may store the CC info, but I have to verify the 3 digit security code to proceed.
 
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