Since Navigraph support is in denial, especially so for one of the staff named Malin Soderlund, insisting that I did not pay for my October 2021 subscription, I shall just air it here for everyone to judge. I use a top-up Mastercard for my charts/FMS payment monthly, to prevent merchants from performing unauthorised transactions, so I top it up before a payment for it to go through. Look at the screenshots for a clearer understanding.
9th October 3.01pm - Navigraph attempted a charge, it was declined as I forgot to top it up
10th October 3.11pm - Navigraph attempted a 2nd charge, it went through as I topped it up that day, my card provider even awarded me 80 points for it (look at the attachment)
10th October 3.12pm - Navigraph attempted a 3rd charge, probably because the system did not register the one done 1 minute ago. It has a different transaction ID from the 3.11pm one.
11th October 3.13pm - Navigraph attempted a 4th charge, declined because there were no funds left
12th October 3.13pm - Navigraph attempted a 5th charge, declined because there were no funds left
It is clear the attempts on 11th and 12th October were made because the system thinks the one on 10th October did not go through, but it did! I have been using and paying for my Navigraph subsciption for years and I really really have no need to cheat Navigraph of 13.34 Singapore dollars. If I wanted to, I would have done it years ago, but your support staff is so stubborn despite me showing all the evidence in his face! So beware of Navigraph’s attempts at double charging your card guys, check your transactions monthly!
So while Malin Soderlund is acting like a banking expert, telling me the bank is just holding the funds and that it is impossible for the Navigraph system to do a double charge, I have called the card provider and they indeed told me there were 2 attempts to charge the card by the merchant on that day. So Malin Soderlund, asking me to request for a chargeback does not solve my issue, it just basically gets me a refund, then I have to resubscribe to Navigraph thereafter. It just wastes more time, please just get your act together. Now you know why I have to resort to using a top-up Mastercard?