Co-op Card blocked at individual Asda petrol station

dr_adidas01

Anthorn wrote: »

Don't feed the troll!

Yes I'm such a troll, so much so that I've been resistered here since 2008 compared to your 2011!!!

Southend1

Anthorn wrote: »

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.

If a card is embossed surely it must be an offline card as it can go through a manual machine (don't know the name, I call them the clickety clack machine!) with carbon paper slips?

I thought that was why electrons aren't embossed?

grumbler

Southend1 wrote: »

If a card is embossed surely it must be an offline card....

I wouldn't be that sure nowadays about this.

Anthorn

Southend1 wrote: »

If a card is embossed surely it must be an offline card as it can go through a manual machine (don't know the name, I call them the clickety clack machine!) with carbon paper slips?

I thought that was why electrons aren't embossed?

Try a search for "Santander embossed" without the quotes on these MSE forums and on Google and you'll start to see the problem as well as the debate. Whether a card is embossed or not doesn't appear to relate to whether it is offline or online. Whether having "electronic use only" on the reverse is debatable but probably indicates an online only card ... or maybe not. Obviously a non-embossed card cannot be used offline where a voucher is carbon-printed but can be used offline electronically at an offline terminal.

There is fairly widespread disagreement on online and offline cards and terminals. Take a look at this thread for example. It could be that we are applying old information to technology that is being revised and updated but I don't have any evidence to support that assumption.

BugsyBrowne

At the end of the day if the bank trust you you'll get an offline card therefore passed the banks risk score and if you have a credit file good enough for the Tip then you'll fail the risk score therefore gives you an online card.

Not sure if this has anything to do with this thread as I'm not sure what one I'm on.

reclusive46

Anthorn wrote: »

Try a search for "Santander embossed" without the quotes on these MSE forums and on Google and you'll start to see the problem as well as the debate. Whether a card is embossed or not doesn't appear to relate to whether it is offline or online. Whether having "electronic use only" on the reverse is debatable but probably indicates an online only card ... or maybe not. Obviously a non-embossed card cannot be used offline where a voucher is carbon-printed but can be used offline electronically at an offline terminal.

There is fairly widespread disagreement on online and offline cards and terminals. Take a look at this thread for example. It could be that we are applying old information to technology that is being revised and updated but I don't have any evidence to support that assumption.

Regarding the non-embossed cards and the electronic use only. An offline card can be non-embossed and Santander do issue offline non-embossed card.

The electronic use only does not refer to the online or offline status of the card. It literally means it has to be used in an electronic terminal (I.e. No imprinter).

dalesrider

Anthorn wrote: »

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".
.

Fact 1..
A transaction cannot be authorised when there is no connection. Authorisation is the process of the bank approving the transaction. Are you aware that if no reply for a bank, within a few secs. The transaction is auto approved
So where there is no connection, it is only because of the card type it will still be processed, when the terminal is connected at the end of the day/week/month....
So a auth all card (old electron/solo) will not work, as there is no authorisation process.

Fact 2..
A UPT has to connect to gain authorisation, no matter what type of card is used. Yet a auth all card (old electron/solo) will not work. As they DO NOT authorise for the full amount.


Which bit of a pay @ the pump has to get authorisation do you not get. No matter waht type of card you have.

Anthorn

reclusive46 wrote: »

Regarding the non-embossed cards and the electronic use only. An offline card can be non-embossed and Santander do issue offline non-embossed card.

The electronic use only does not refer to the online or offline status of the card. It literally means it has to be used in an electronic terminal (I.e. No imprinter).

Thanks for the clarification.

Most of us would have agreed that an the VISA Debit is likely to be offline and the non-embossed VISA Electron is likely to be online. That would something we could grab hold of. But then Santander issued non-embossed VISA Debits and put the cat among the pigeons.

Chrisblue1962

Update:

I went to see a Manager at the Asda store nearest to the Asda petrol station as advised by Asda Customer Services Manager.

The local manager, who oversees the offsite petrol station , made a few calls and gave me the number for Streamline , the company who manages the online payment systems at that particular garage.

I rang them (Streamline) this morning and explained the situation. They initially thought it may be my card but when I told them that Asda and Co-op Bank have confirmed there are no issues about the card , the account or availability of funds they curtly replied "Oh you'll have to get the Asda petrol station to call us. We can't deal with you" .

Oh well. Back to Asda tomorrow...