Co-op Card blocked at individual Asda petrol station

dalesrider

Anthorn wrote: »

Online cards require a connection with the bank at the point of sale but offline cards don't and can be used at pay at pump and on trains and boats and planes where there is no connection.
.

Pay @ the pump DOES CONNECT TO THE BANK.......

Is that clear.

ALL unmanned payment terminals have a ZERO floor limit. As such have to gain a auth code from the bank. Or the transaction will not go through, no matter what type of card you have.

What causes the problem is they do not gain authorisation for the full amount of purchase. Simply auth for £1 to £2.
Go to europe and you may well find these cards work, as [EMAIL="P@Pump"]P@Pump[/EMAIL] auths for max you can get 120 euro's ( i think) and then will debit for the correct amount.

Anthorn

dalesrider wrote: »

Pay @ the pump DOES CONNECT TO THE BANK.......

Is that clear.

ALL unmanned payment terminals have a ZERO floor limit. As such have to gain a auth code from the bank. Or the transaction will not go through, no matter what type of card you have.

What causes the problem is they do not gain authorisation for the full amount of purchase. Simply auth for £1 to £2.
Go to europe and you may well find these cards work, as [EMAIL="P@Pump"]P@Pump[/EMAIL] auths for max you can get 120 euro's ( i think) and then will debit for the correct amount.

No it's not clear.

Do have a link to that information so I can check it. Many thanks.

dalesrider

Anthorn wrote: »

No it's not clear.

Do have a link to that information so I can check it. Many thanks.

Not sure if that info is anywhere on the internet.

But I know from seeing it on people accounts that, that is how it works.

I have a supposed online card from Santander (so it says on the letter attatched to the card) but it works in [EMAIL="P@P"]P@P[/EMAIL].

Online/Offline is a crazy description really.

It should be full auth card, or not.

dr_adidas01

dalesrider wrote: »

Pay @ the pump DOES CONNECT TO THE BANK.......

Is that clear.

ALL unmanned payment terminals have a ZERO floor limit. As such have to gain a auth code from the bank. Or the transaction will not go through, no matter what type of card you have.

What causes the problem is they do not gain authorisation for the full amount of purchase. Simply auth for £1 to £2.
Go to europe and you may well find these cards work, as P@Pump auths for max you can get 120 euro's ( i think) and then will debit for the correct amount.

Where is your factual evidence this is true? As most people on here whom have online only cards have stated they can't use pay@pump features as there card is strictly online only, and won't work in these types of pump.

Therefore this makes your statement factually incorrect does it not?

dalesrider

This is where the whole online/offline falls down.

What matters is number 6 (or 5 & 6) which denote what type is issued. From my understanding of our cards.

The issue with pay @ pump is that the card to be able to authorise the FULL amount, not just £1 or £2 as these do.

I do not know why Santander have put online on the letter with my card. I fully expected it not to work at the pump, but it did....
So go figure that one.

The evidence is what I work with, and can see the auths and debits on accounts.

Linky

Online transaction

A terminal is said to have gone online when it dials out to connect to an acquirerto process a card transaction and request an authorisation. This may be because the chip on the card has told the terminal to do this, or because the transaction value is above a merchant’s agreed floor limit.

Offline transaction


A transaction can be processed off-line where the terminal does not dial out for an authorisation. This may happen, for example, if the transaction value is below the floor limit, as agreed by an acquirer, for which a merchant can accept a transaction.

Anthorn

dr_adidas01 wrote: »

So because of this does it mean you will start demanding things and move your account yet again!!!

Oh and my co-op card and account is working perfectly fine!!!

A quick phone call sorted it out: Although I had my sort code and account number the account was not actually set up. I had an idea this was the case when my login to Internet Banking failed. Now I can login I'm assuming the account is now set up. I hope so anyway because my salary is due tomorrow.

Before you start making accusations such as "move your account yet again" with anyone not just me be sure of your facts because you'll drop clangers and replies will make mincemeat of you! In fact I've had the same bank account since who knows when: National Girobank ... Girobank plc ... Alliance & Leicester ... Santander. Before that Williams & Glyns and before that Trustee Savings Bank. Those are the extent of my bank accounts over the last 47 years. Yorkshire Bank was cancelled within the 14 days cooling-off period!

Lastly, It's probably very hard for you to do but do try to make an effort to engage your brain before putting your mouth in gear.

Buzby

Asda pumps take £50 Pre-Auth, not just a few quid. A warning notice on the pumps states this and warns debit card holders that are only filling up with a few quids worth that it takes up to 24hrs before the balance is restored.

dr_adidas01

Anthorn wrote: »

A quick phone call sorted it out: Although I had my sort code and account number the account was not actually set up. I had an idea this was the case when my login to Internet Banking failed. Now I can login I'm assuming the account is now set up. I hope so anyway because my salary is due tomorrow.

Before you start making accusations such as "move your account yet again" with anyone not just me be sure of your facts because you'll drop clangers and replies will make mincemeat of you! In fact I've had the same bank account since who knows when: National Girobank ... Girobank plc ... Alliance & Leicester ... Santander. Before that Williams & Glyns and before that Trustee Savings Bank. Those are the extent of my bank accounts over the last 47 years. Yorkshire Bank was cancelled within the 14 days cooling-off period!

Lastly, It's probably very hard for you to do but do try to make an effort to engage your brain before putting your mouth in gear.

I think it is you whom need to engage your brain before putting your mouth or fingers to use.

There have been many posts on here where you have been derogatory to the person posting questions.

It is also you whom has on many occasions said that people should demand things from there banks when things go wrong, not speak to them in a polite manner to get things resolved.

You have also admitted that you move banks because you don't get what you demand or what you want from them. Therefore my comment of "move your account yet again", is perfectly valid since it is you whom have stated that this is what you do!!

Therefore you should get your facts straight and engage your brain, as your posts have pointed out what I have said is true, and you have been caught out by them.

Anthorn

dr_adidas01 wrote: »

I think it is you whom need to engage your brain before putting your mouth or fingers to use.

There have been many posts on here where you have been derogatory to the person posting questions.

It is also you whom has on many occasions said that people should demand things from there banks when things go wrong, not speak to them in a polite manner to get things resolved.

You have also admitted that you move banks because you don't get what you demand or what you want from them. Therefore my comment of "move your account yet again", is perfectly valid since it is you whom have stated that this is what you do!!

Therefore you should get your facts straight and engage your brain, as your posts have pointed out what I have said is true, and you have been caught out by them.

Don't feed the troll!

Anthorn

dalesrider wrote: »

This is where the whole online/offline falls down.

What matters is number 6 (or 5 & 6) which denote what type is issued. From my understanding of our cards.

The issue with pay @ pump is that the card to be able to authorise the FULL amount, not just £1 or £2 as these do.

I do not know why Santander have put online on the letter with my card. I fully expected it not to work at the pump, but it did....
So go figure that one.

The evidence is what I work with, and can see the auths and debits on accounts.

Linky

You are unnecessarily complicating this issue. Let's look at the facts:

Fact No.1: Some cards will authorise even when there is no connection between the card terminal and the outside world whatsoever. If you disagree with this then please explain how it is that such cards will work on a ship or a plane.

Fact No.2: Some cards will only work when there is a connection with the bank to get the authorisation code. The worst case card of this type is probably "Electron".

So therefore there are offline cards and online cards. In practice an offline card will work exactly like an online card when there is a connection to get the authorisation. What is a grey area is how an offline card can work to a daily limit when it has had no connection with the bank?

Where Santander is concerned, some of their cards have been issued embossed and others unembossed or at least embossed to a very low depth. Some customers thought wrongly that the embossed are offline and the unembossed was online which was not the case.