More detail: one of the amounts in May was £170.68. The amount yesterday was £24.51.
Also: if the amount requested had been my exact balance, I don't see any reason why it wouldn't have succeeded. I have successfully paid them twice before from this account.
their requesting $385, but the amounts in your account are £170.68, £24.51...obviously not enough. So this might fall within your banks overdraft facility and how they deal with negative balances.
Yeah that would make sense. I don't have any arranged overdraft but my balance can go negative by a small amount in which case it will be displayed. The most likely explanation does seem to be that they are just displaying my balance in a weird way - but still, very odd to show a transaction for a different amount than was requested. And having spoken to them, they see exactly the same thing I do in whatever systems they can access, so it's not just how it's represented to the customer.
Your orthodontist is probably using an ass (term of art) specialized medical practice billing system. Not uncommon for smaller practices. Some of these are made by the dude down the block, kind of thing. Total shit. That will be the thing that is issuing the debit. It might be querying for the balance beforehand. The thing to do is find out what ass billing system they are using, might be associated with their ass practice management system, and then talk to those people. It might be stripe under the hood but stripe is not making this mistake.
That was another possibility I asked about but the bank said it's absolutely not possible to query the balance. Could have been misunderstanding what I meant, I guess, or just wrong - do you know for sure that it is possible?
Traditionally under ACH I don't believe balance inquiry is available. But if you did a Plaid like thing to "connect" your card, your balance is available to payees.
More detail: one of the amounts in May was £170.68. The amount yesterday was £24.51.
Also: if the amount requested had been my exact balance, I don't see any reason why it wouldn't have succeeded. I have successfully paid them twice before from this account.
their requesting $385, but the amounts in your account are £170.68, £24.51...obviously not enough. So this might fall within your banks overdraft facility and how they deal with negative balances.
Yeah that would make sense. I don't have any arranged overdraft but my balance can go negative by a small amount in which case it will be displayed. The most likely explanation does seem to be that they are just displaying my balance in a weird way - but still, very odd to show a transaction for a different amount than was requested. And having spoken to them, they see exactly the same thing I do in whatever systems they can access, so it's not just how it's represented to the customer.
Your orthodontist is probably using an ass (term of art) specialized medical practice billing system. Not uncommon for smaller practices. Some of these are made by the dude down the block, kind of thing. Total shit. That will be the thing that is issuing the debit. It might be querying for the balance beforehand. The thing to do is find out what ass billing system they are using, might be associated with their ass practice management system, and then talk to those people. It might be stripe under the hood but stripe is not making this mistake.
That was another possibility I asked about but the bank said it's absolutely not possible to query the balance. Could have been misunderstanding what I meant, I guess, or just wrong - do you know for sure that it is possible?
Traditionally under ACH I don't believe balance inquiry is available. But if you did a Plaid like thing to "connect" your card, your balance is available to payees.
https://docs.stripe.com/payments/ach-direct-debit/accept-a-p...
Right - I don't have any open banking connections with them.