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For peer-to-peer payments 💸. Cancelling a transaction as a payer. A peer-to-peer transaction that has been completed cannot be cancelled by the sender , whatever the reason may be. Lydia guarantees t…
Updated 1 month ago by Clifford Christophe
Money sent to the wrong recipient. Once you've sent a payment towards a wrong phone number or e-mail address linked to a Lydia account, the money legally belongs to the recipient. A peer-to-peer tran…
To process millions of transactions every month, Lydia works with reliable partners who are experts in their field. On rare occasions, our partners may encounter technical difficulties that affect pa…
Updated 5 months ago by Clifford Christophe
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…
Updated 2 weeks ago by Clifford Christophe
When you send money to a phone number using Lydia , the recipient may not receive it for two reasons: 1 / Your recipient does not have a Lydia account 🤷. When you make a Lydia, the recipient receives…
Lydia never (ever) actually debits €1/£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 associate…
Updated 9 months ago by Clifford Christophe
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…
When you receive a push notification or an email letting you know that a payment didn’t go through, you do not always know why. So why was your transaction declined? There can be several reasons. You…
Updated 8 months ago by Clifford Christophe
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.
Every time a payment is made using a Lydia card or Internet card , the transaction is first authorised then confirmed several hours to several days later. How it works 🤔. Once you've made the payment…
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…
Transfers from Lydia to a bank account depend on the processing time of the banking system. A payment takes 2 to 3 business days to arrive on an account (excluding weekends and bank holidays). If you…
When a user wishes to pay for a purchase on the Internet, he may receive a 3D Secure SMS containing a code to validate his payment. Unfortunately, it can happen that 3D Secure SMS messages are never received on the phone.
Lydia has no way to check if the bank account you sent money to is valid or not. If you transfer money to a bank account account that is closed, Lydia cannot detect this. What happens if you sent mon…
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…
After each Lydia payment, you receive an alert and a payment receipt showing the amount in Euros. However, in the event of foreign transactions, the amount may decrease or increase a few days later.…
"Inactivity fees" are due to a French legal requirement called "Eckert law" , which applies to French banks, credit establishments and payment services companies. So, what are those inactivity fees?…
Updated 10 months ago by Yacine Sahnoune
Some banking institutions may not recognise the Lydia IBAN, the BIC or our banking partners. This occurs when they don’t update their SEPA database and don’t get the latest information on new banking…
When transferring money to a bank account from Lydia, you may think the transfer hasn't been performed at all. First, make sure you're not worrying too soon ⏳. Bank transfers generally take 2 to 3 bu…
Apple Pay transactions are carried out in the exact same way as transactions with a Lydia physical card. The only difference is that they bear the Apple Pay logo in the Lydia app. If you experience a…
Samsung Pay transactions are carried out in the exact same way as transactions with a Lydia (Internet or physical) card. The only difference is that they will bear the Samsung Pay logo in your histor…
