Read again. This is between credit card company and restaurant. To you, you have paid!
Same applies, buy the time you receive credit statement, whether you pay or not is between you are credit card company. Nothing to do with restaurant.
With one exception, if you dispute the item. Then further investigation will be done by credit card company.
How credit card user pay credit card is not the issue here. Perhaps we can take it off discussion to reduce confusion.
There is always 2 parties in addition to end user (me) and telco (TPG). These are the credit/debit card issuing company for end user side and merchant bank/company (acting for Telco).
For example in M1 case, I used Citibank credit card and M1 used to have Wirecard as merchant bank/company to collect the payments to be consolidated.
(1) Paid via credit card on M1 App
(2) Wirecard acknowledge the payment went through
(3) Wirecard informed M1
(4) M1 acknowledges the payment
(5) Few days later Wirecard post the hold of that payment amount to get the payment from credit card company
(6) M1 receive payment in consolidated statement probably in monthly basis
To me, what I am seeing is TPG was in a rush to go live on commercial plans and neglected step 2 and 3 above for non-recurring payments. They are not prepared for this on the programming side to work with their merchant bank/company.
