Recapping some of the OP as a refresher:
The debit-fronted credit service lets you pay with your credit card at places that only accept debit cards, or when paying with a credit card has a fee attached.
Any person who signs up to Curve after the 25th of November, 2019, the following charges apply when using a credit card as underlying payment card:
- For Curve Blue (free) and Curve Black customers (including Curve Black Legacy users): 1.5% of the total amount of the transaction.
- For Curve Metal customers: no charges apply.
Initially, the service will apply to payments made to HM Revenue & Customs (HMRC). After the initial trial period with HMRC, other government payments such as National Savings & Investments, DVLA Vehicle Tax, and Student Loan Payments will be included as well.
These fees are currently for the payments to the HMRC, which is in the UK, using any credit card as a funding card. Using the Debit-Fronted Credit service is optional and you can naturally use your credit card directly if you think that’s the better option for you.
When the list of merchants is expanded and you see there is a fee, you can have the fee reversed by using GBIT (within 14 days of the original transaction) to put the payment from your underlying credit card to a debit card. If the transaction is over £1.000 you can reach out to Customer Support, who will help you.