Curve is the First Digital Wallet to Offer Section 75 Protection on All Cards, Even Debit

Curve, the ultimate digital wallet, has become the first to offer section 75 protection on purchases made through its Wallet. This is a step change in consumer protection, allowing users to make payments without worrying about losing money if a product is faulty or if there’s a problem with the purchase. Curve has moved before other leading digital wallets such as Apple Pay or Google Pay, making its mark on a new era in consumer rights and digital wallet capabilities, transforming Curve to be the safest, most secure way to pay.

Section 75 is a long-standing consumer protection law in the UK that ensures credit card providers share responsibility with merchants for purchases ranging from £100 to £30,000. This safeguard has until now been unavailable to debit card users, leaving them vulnerable in cases of faulty goods, unfulfilled services, or retailer insolvency. Curve bridges this gap, offering the same robust regulatory protection on purchases made through its digital wallet, regardless of the card used.

Almost a quarter of Brits have experienced a problem with an item they’ve bought, with consumers spending over £2 billion and six million hours trying to fix it. Moreover, debit cards are the most common payment method in the UK, accounting for nearly two-thirds of all payments, with 1.9 billion more debit card transactions than credit card transactions in October 2024.

Despite the volume of debit card usage, and the tens of billions of pounds at stake, currently only credit card purchases are protected by section 75, which Curve is now remedying. When a consumer has an issue with their purchase and their claims have been ignored or rejected by the seller, section 75 can be invoked to resolve the dispute. Only Curve provides full protection on every card in its Wallet.

“Curve has always focused on its mission to empower customers to make more of their money through selection, pricing and convenience. It is only logical that we remove a real concern our customers have when they pay, by creating the safest, most secure way to pay, underpinned by regulatory protection. By bringing section 75 protection to its Wallet, Curve is, again, putting the power back into the hands of our customers. This is a vital step as we move towards building the most secure and versatile digital wallet available, where the customer is at the centre,” said Shachar Bialick, Founder & CEO of Curve

This full protection that Curve is applying to every transaction in its Wallet is a first for the industry. When a customer adds any card into their Curve Wallet, they automatically enable section 75 protection regardless of whether they use a credit or debit card when making payments via Curve. This capability has been made possible due to the combination of Curve and Curve Credit’s regulatory statuses comprising an ‘e-money payment institution’ and ‘consumer credit provider.’ Separately, it is noted that the recent rulings in the EU and US requiring Apple to unlock the iPhone’s Near Field Communication (NFC) capabilities have enabled Curve Wallet customers to make payments on their iPhone using Curve or their Curve card, which includes enhanced features from Curve, such as access to credit and purchase protection.

Shachar Bialick, CEO & Founder of Curve added: “The Curve Wallet is now one of the most secure and flexible payment solutions in the UK, empowering customers with unparalleled choice, robust protection, and complete control over their finances—all at no extra cost. While issuers and OEMs vie for dominance in the Wallet Wars, Curve leads the way by delivering 100% bank coverage, enabling rewards stacking, and eliminating foreign transaction fees from all linked cards. Now Curve is the first Wallet to extend full Section 75 credit protection to every purchase made, setting a new benchmark for convenience and financial peace of mind.”

This announcement from Curve is the latest in a series of new products and benefits launched by the company recently, including the new market-leading FX benefit, and 1% cashback on international purchases. By extending the reach of section 75, Curve is doubling down on its commitment to customer-centric innovation, not only leveling the playing field for debit card users but also raising the bar for what consumers can expect from a digital wallet. Read more about Curve and section 75 here: https://www.curve.com/en-gb/blog/section-75