Warning - Cashminder Visa Debit Card

stickman

Toe-Jam wrote: »

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.

So does this mean that 31010 codes do not need online authorization, if so maybe its just the banks themselves who insist on authorising. I mean if you have just a basic a/c then auth is reqd or am I wrong and that co-op have got it wrong and basic a/c with other banks don't require auth. If so which banks do this and will co-op eventually follow suit.

wok_boy

Just to let everyone know, when my electron card expired last month, I was issued with a visa debit card with exactly the same card number so it's still a visa electron, even though it's badged as a visa debit.

Still a pain in the backside when some online stores don't accept it, suppose I'm going to have to wait until 2013/2014 and get my account upgraded.

stickman

Toe-Jam wrote: »

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.

So do you think co-op will re-programme the chip in their cards so that the AID reads 31010 (visa) and not 321010 (visa electron), also if they do would you be able to use them at pay at pump garages,

chuckley

ive only had problems with oyster online refusing it. with some online places it works as 'visa debit' but with others its 'electron'.

the train thing is down to the company. not everyone accepts electron, nothing to do with co-op. I think Southern only started to accept them when paug oyster came into affect and they got new machines.

stickman

450875 - Co-operative Bank Visa Debit Card (formerly Visa Electron) BIN this from Visa's own web site. AID 32010. So co-op need to change either or both numbers to get rid of the "electron" stigma. Apparently other banks (who previously had electron) have done this and now their "basic a/c" just shows as visa debit card. I am led to believe that they still require authorization but much more accepted as they have lost the electron tag.
If this assumption is correct then why/ when will co-op follow suit as at he moment it's so frustrating not knowing will retailer's machine accept or decline the co-op card.