Cancelling a transfer
Payments sent to other individuals. Payer. For payments sent to other individuals, for instance if the payer sent money to the wrong phone number or wrong email address, they must first make a paymen…
Why was I charged several times for the same payment?
If the customer identifies payments wrongly duplicated within the t ransactions history it is probably for the reasons below : Payment by card. Due to low signal, the payment terminal wrongly notifie…
Why can’t I transfer money to a bank account?
When you can no longer transfer money from Lydia to your bank account, the solution is often very simple. ⚠️ Important ⚠️ Transfers made from Lydia to bank accounts depend on the banks’ processing ti…
€1 charge when adding a bank card
Lydia never (ever) actually debits €1 when adding your credit card to the app. So, how does it work? 🤔. Whenever you add a new card to the app, Lydia actually sends a request to the bank associated w…
I never received the purchase I made using Lydia
Lydia isn't just a mobile payment app, it is also a software that lets merchants accept card payments online. When you pay such businesses online with your credit card, Lydia will actually debit your…
Declined payment
When a payment by card ( physical , contactless mobile payment or virtual card ) is declined the customer receives a push notification or an email giving some explanation on the situation. So why the…
Negative balance after a card payment
In certain very specific cases the Lydia account balance may be negative after using a Lydia card (physical, internet, or contactless). Users are not allowed to overdraft on their Lydia accounts. If this should happen, the user must top up their account as soon as possible.
Pending payment by card
Once the card payment is made, the amount of the transaction remains pending until the retailer confirms the transaction or not. The retailer has 10 days to confirm a transaction. Otherwise, the tran…
Why hasn’t my contact received my transfer?
Money is transferred instantly between two Lydia accounts. However, transferring money from a Lydia account to a bank account depends on the banks’ processing time: Each transaction can take 1-3 busi…
Bank transfer: processing time
A transfer made from Sumeria to a bank account depends on the processing times of the banking system. It is credited to the recipient account : I n 30 seconds for instant transfers ( instant payment…
Transfer made to a closed bank account
Lydia checks the conformity of the IBAN format when a transfer is made to a bank, but Lydia has no way of verifying whether the bank account is valid or not. If the user requests a transfer to a bank…
I see a LYDIA APP debit on my bank statement, but I never paid using Lydia.
Users sometimes see a "LYDIA APP" debit on their bank statemen t , without having used Lydia (sometimes without even owning a Lydia account!). If you're facing this issue, here are some explanations…
Why did the amount of my foreign transaction change?
After each card payment, the customer receive an alert and a payment receipt showing the amount in Euros and the value of the payment with the local currency. However, in the event of foreign transac…
New: "Lydia Account" dedicated to your Lydia payments
You may have noticed a new account named " Lydia account " was added to your account list in-app. This account will now be credited by default when your friends send you money via Lydia. No action is…
