What are the characteristics of the Réalys card

3) Besides, in the case of a “offline” payment, it is the bank card chip which “said” to the TPE that payment is accepted, the bank is not requested.

LBP: Visa Classic vs Visa Reorys.

It surprises me a lot knowing that their Reorys visa is also a systematic authorization card with balance control.

This also surprises me that the Postal Bank Classic Visa is a systematic authorization card with balance control knowing that the same card at BNP Paribas or Société Générale only controls the ceilings, from time to time (in immediate debit )).

Especially since in the 3 banks mentioned, the Classic visa is co-badged “CB” and that CB favors “preferred offline” during payments.

It is disappointing anyway.

So, concretely, at the postal bank, apart from ceilings and insurance, what is the interest of the Visa Classic card compared to the Reals visa, if both control the balance during each transaction?

There is only one difference compared to the sequestration? Or other?

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Stii

Contributor

No one has a Postal Bank Visa Card?

Just to confirm whether or not, after each payment it appears immediately on the account and is deducted from the balance?

Thorwood

Member

No one has a Postal Bank Visa Card?

Just to confirm whether or not, after each payment it appears immediately on the account and is deducted from the balance?

Good morning
On the classic visa card of the postal bank on the receipts there is very often the @ of the authorization in very rare cases it happens that the payment is treating offline when it is really a small amount

Charleshubert

Contributor

I have a classic visa to the postal bank and for me, it is not to control of systematic balance. During payments not card, the flow does not appear immediate, far from it besides

RL91

New member

No one has a Postal Bank Visa Card?

Just to confirm whether or not, after each payment it appears immediately on the account and is deducted from the balance?

Good morning,
Having a classic visa, I confirm that the flows do not appear immediately (but on the “gauge” of the CB ceiling yes) and I have no systematic authorization.

Stii

Contributor

Good morning,
I will know myself suddenly.
Some of my payments with the Postal Bank Classic Visa are going on a offline (without authorization request), others require an authorization request (presence of @ on the receipt) and therefore appear immediately on my Customer Area.
It’s quite strange as behavior.

attentive

Regular contributor

Good morning,
I will know myself suddenly.
Some of my payments with the Postal Bank Classic Visa are going on a offline (without authorization request), others require an authorization request (presence of @ on the receipt) and therefore appear immediately on my Customer Area.
It’s quite strange as behavior.

Your Postal Bank Visa Classic card is:
– CB co-stake ?
– immediate debit or delayed flow ?

Stii

Contributor

My Visa Classic LBP card is co-badged CB and with immediate debit.

attentive

Regular contributor

My Visa Classic LBP card is co-badged CB and with immediate debit.

“Some of my payments with the Postal Bank Classic Visa are going on a offline (without authorization request)”
Your card being co-badged CB, it is configured to prefer to make offline payments, as far as possible According to his internal algorithm. If the payment exceeds a certain amount or an internal meter on the card, or also by random draw by the TPE of the commercial, there will be permission to authorize.

“Others require an authorization request (presence of @ on the receipt) and therefore appear immediately on my customer area. “”
Your card being with immediate debit, and if there has been an authorization request, the amount of payment appears in your customer area, being deducted from the sliding payment ceiling over 30 days, and the balance of your account.
Without a request for authorization, the amount of payment appears in your customer area, only after compensation.

Stii

Contributor

1) The authorization request may only concern the card ceilings, not necessarily the balance. Is not it?

2) I also have a Visa Classic card at BNP Paribas (also co-badged CB) which never shows operations on the account before compensation, whether there is a “@” on ticket or not.
This is why the operation of the Postal Bank Classic visa surprises me.

3) Besides, in the case of a “offline” payment, it is the bank card chip which “said” to the TPE that payment is accepted, the bank is not requested.

So, in this case, there is also an authorization request which is made by TPE but only with the bank card chip and not with the bank.
A file or authorization number is then generated in offline and it will be used by TPE during telecollect/compensation to claim funds. Is not it?

4) Payments which appear immediately on my account and which are deducted from my account are not yet really debited.
So if, for example, I have a balance of € 50 and I make a payment of € 100 (with authorization request to the bank) and that the payment is accepted, I will be at -50 € on my account.

At this precise moment, before compensation for the payment in question, I am virtually uncovered but I am not yet really. Is not it?
So no agios generated?

What are the characteristics of the Réalys card ?

The Realys card is a postal bank bank card with many features: contactless payments, withdrawals, insurance, etc.

The Réalys card is a Visa payment and international withdrawal card with systematic authorization for a total control of your budget ! At each operation, a balance of the balance of your card is carried out and authorizes or not the payment. The ceilings have been defined so that you can use your card with more tranquility while best controlling your expenses, in France and abroad:

• Maximum payment ceiling (on 7 slippery days) in France and abroad: up to € 450,
• Maximum withdrawal ceiling (on 7 sliding days) in France and abroad: up to € 800.

The Réalys card is a Visa payment and international withdrawal card with systematic authorization for a total control of your budget ! At each operation, a balance of the balance of your card is carried out and authorizes or not the payment. The ceilings have been defined so that you can use your card with more tranquility while best controlling your expenses, in France and abroad:

• Maximum payment ceiling (on 7 slippery days) in France and abroad: up to € 450,
• Maximum withdrawal ceiling (on 7 sliding days) in France and abroad: up to € 800.