Warning - Cashminder Visa Debit Card

Chrisblue1962

Just a note of warning to anyone who has or is getting a Co-operative Bank Cashminder account with a debit card. It is NOT a proper Visa debit card as it will NOT be accepted by all shops, etc, it is basically still an Electron card but with Visa written on it!
For example:

1. Pay by Card Pumps at Adsa Petrol Stations...but you can pay inside the petrol station with it!
2. Stations on the Merseyrail train network.

Anyone know of anymore?

I have raised this matter with the Co-operative Bank who state they will look into it...not holding my breath lol

stclair

I think hell will freeze over before they actually do anything about it, the issue was raised back in June 2009 and its still on going.

So please dont hold ya breath lol

username

What is the AID (Application Identifier) on your card receipts?

If it is 31010, then it is Visa Debit but if it's 321010 then it's an Electron.

If it is the Visa Debit AID, then your card is of the type that has been programmed so that it will almost certainly require "online" authorisation for every transaction, where they check that you have the funds in your account before authorising/declining the transaction.

The Visa Electron works in a similar fashion as described above.

Both should decline if the card terminal cannot get "online" to check for funds. It is quite likely that the card terminals in question, at train stations and pay at pump are not "online", cannot check funds in realtime and therefore decline. Hence why your card does not work in these places.

The majority of cards issued (Visa, Visa Debit, Mastercard etc) do not require online authorisation for every transaction, and so that is why it seems that other people's cards seem to function fine at these places.

Toe-Jam

username wrote: »

What is the AID (Application Identifier) on your card receipts?

If it is 31010, then it is Visa Debit but if it's 321010 then it's an Electron.

If it is the Visa Debit AID, then your card is of the type that has been programmed so that it will almost certainly require "online" authorisation for every transaction, where they check that you have the funds in your account before authorising/declining the transaction.

The Visa Electron works in a similar fashion as described above.

Both should decline if the card terminal cannot get "online" to check for funds. It is quite likely that the card terminals in question, at train stations and pay at pump are not "online", cannot check funds in realtime and therefore decline. Hence why your card does not work in these places.

The majority of cards issued (Visa, Visa Debit, Mastercard etc) do not require online authorisation for every transaction, and so that is why it seems that other people's cards seem to function fine at these places.

There is also a problem with the BIN listing of these cards aswell, the AID is not checked for online purchases as the card is not physically present, and it still doesn't work properly, for example on the Car MOT site you have to put it through as visa electron or it doesn't recognise the card number.

They should have had it sorted by now, RBS had similar problems when they introduced their visa debits with a new BIN 4751, and it wouldn't work on loads of sites, now it works now problems.

hippey

The AID is only the application that the chip is using, it identifies to the terminal which process to follow. If the card was swiped it would go on track data and use the application for fallback.

This problem is a retailer issue, so many retailer using different terminals and poorly updated BIN files. Pre-auth transaction do cause problems with online only cards, this is one of many reasons why they don't work on pay at pump terminals

savagej

All CNP transactions require to be authorised on-line before the item is dispatched.

As for the AID number that is not the issue, it is another number called the "manatory authorisation code" (only on debit cards). This is on the Chip and magstrip and tells the terminal if it MUST go for on-line authorisation or if it can work under the floor limit,

Also, if a card is identified by the AID as electron than all transactions must be authorised on-line.

Chrisblue1962

Thanks for the replies, lots of techobabble here that some folks may not just understand ...its a card, I punch some numbers and it pays for things... or at least that's the way it should work lol

Chrisblue1962

Noticed in an Asda "Pay at Pump" only Petrol staion in St. Helens, Merseyside today that they DO NOT accept Visa Electron cards (which is what Co-op's Cashminder Visa card is), probably same for all Asda "Pay at Pump" pumps.

ian_h

username wrote: »

What is the AID (Application Identifier) on your card receipts?

If it is 31010, then it is Visa Debit but if it's 321010 then it's an Electron.

If it is the Visa Debit AID, then your card is of the type that has been programmed so that it will almost certainly require "online" authorisation for every transaction, where they check that you have the funds in your account before authorising/declining the transaction.

The Visa Electron works in a similar fashion as described above.

Both should decline if the card terminal cannot get "online" to check for funds. It is quite likely that the card terminals in question, at train stations and pay at pump are not "online", cannot check funds in realtime and therefore decline. Hence why your card does not work in these places.

The majority of cards issued (Visa, Visa Debit, Mastercard etc) do not require online authorisation for every transaction, and so that is why it seems that other people's cards seem to function fine at these places.

My Cashminder Visa Debit has an AID of 32010 so I'm guessing the 2 means "always authorise" hence why northern trains ticket machines wont sell me a ticket at the station yet Virgin's machine next to it will!

wok_boy

It looks like finally my local train station (virgin run) now excepts Visa Electron

Toe-Jam

ian_h wrote: »

My Cashminder Visa Debit has an AID of 32010 so I'm guessing the 2 means "always authorise" hence why northern trains ticket machines wont sell me a ticket at the station yet Virgin's machine next to it will!

Well i can see your reasoning, but the 2 in 32010 has nothing to do with always authorise. Visa has a different number for each of its products

electron is assigned 32010 and 321010

There are always authorise visa debits, they have exactly the same number as normal ones which is 31010.

The code for always authorise is called the Mandatory auth code its hidded in the chip and strip. its either set to x0x for normal or x2x for Always authorise. Visa electrons are always set to x2x and visa debit is optional.

there is no way to see the code.

The problem with the co-op card is the AID number does not match up to the card type, some terminals are set to auto decline electron cards, so as soon as it reads the card type and sees 321010 it says no, even tho the card number is a perfectly vaild visa debit number.