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For peer-to-peer payments 💸. Cancelling a transaction as a payer. A transaction that has been completed cannot be cancelled by the sender , whatever the reason may be. Lydia guarantees this amount to…
Updated 8 months ago by Xavier Mayo
Sometimes, users can send their money to a wrong number or a wrong email address. Like with any other bank or payment app, once the money is sent, the transfer cannot be cancelled. However, in some c…
Updated 2 months ago by Xavier Mayo
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 8 months ago by Yacine Sahnoune
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…
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…
Updated 2 months ago by Yacine Sahnoune
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…
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 4 months ago by Flore
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.
Updated 3 months ago by Astrid Seulliet
Every time you try to pay with Lydia, our system performs automated checks. When a check fails, an error message is displayed. Issue with the payment method 💳. This problem happens when the method us…
Updated 4 months ago by Yacine Sahnoune
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…
Updated 5 days ago by Yacine Sahnoune
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.
Updated 4 months ago by Astrid Seulliet
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…
Updated 1 week ago by Yacine Sahnoune
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.…
Updated 5 months ago by Yacine Sahnoune
"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?…
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…
Updated 8 months ago by Flore
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…
Updated 8 months ago
