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However, if a buyer had the Honey extension installed in their browser, then upon reaching a merchant’s checkout page, the extension would ask if the buyer wanted Honey to check for coupons. In 2015, 150,000 Spanish cardholders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards. Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters. Also, the Financial Ombudsman Service (for the U.K.) position is that section 75 protection does not apply where PayPal or any eMoney service becomes involved in the credit card transaction.