So I just used a really cool app called Rappi in Colombia. It’s like Deliveroo but they can pick up anything from any store (apart from stores that boycott Rappi for their problematic workers’ rights).
Anyway, they split transactions into two. They take a couple of quid when you make the request and the balance after they confirm the cost of the product. They messed up and had to give me a refund, which littered my feed. And now they messed up again so I have SEVEN Rappi transactions in my feed for a single £4 purchase!
It would be nicer to visualise refunds as strikethroughs in the feed, so they only appear once. I understand this would be difficult/impossible if it happens post-settlement, but before the transaction settles, it should be fine, no?
What do legacy banks do with refunds pre-settlement? I guess these wouldn’t even appear on the statement at all (or am I wrong).
Anyway, instant notifications and updates are great - except when retailers press too many buttons!