Unauthorised Transactions

While trying to use the Zapper App to settle a purchase on the Dischem website on 25 June 2018, the payment failed twice. I called the call centre ( ********** ) and was assured by the consultant that the payments had "expired" and funds would be unreserved within 48 hours. I tried again after the reassurances and the transaction was successful.

Despite the reassurance, my account was debited three times and it seems that Zapper is not cognisant of the gravity of paying over consumers' money unauthorised and then taking their time in returning that money. Despite forwarding proof of these transactions to ********** I have been asked to wait until Dischem confirms that they are in receipt of the funds.

It might be inconsequential amounts to individual consumers, but this might be tantamount to unjustified enrichment if one aggregates these amounts and considers the benefit to Zapper and its partners of using consumers' money without their consent.