Tesco pay at pump debit delay

Nodding_Donkey

Guest101 wrote: »

They still do! regularly fill up about £40 a week before payday. I have an unofficial £50 buffer on my current account - does help a lot.

Yes, people on here sometimes forget that not everyone has the luxury of making their pay last until the next payday

debtdebt

Did you try and contact Tesco when you realised they hadn't taken the cash out of your account shortly after you filled up?

agrinnall

Car_54 wrote: »

Better on a banking forum?

There's no point in it being anywhere as nothing wrong has been done and the OP has no genuine complaint to make. It's the answer that's always given when this question is asked (regularly) on the banking and credit card boards.

[Deleted User]

Nodding_Donkey wrote: »

Avoid this by paying at the kiosk, that way the full amount is reserved straight away rather than the £1 that the pay at pump reserves.

Mind you, I can remember a time when Asda's pay at the pump provided a very useful, interest free, payday loan in the last couple of days of the month

They still do as long as you got a £1 on to auth the card. ;)

Guest101

Nodding_Donkey wrote: »

Yes, people on here sometimes forget that not everyone has the luxury of making their pay last until the next payday

For me it's a massive help, I travel for work and expenses take 3-6 weeks to get back.

stator

Had a transaction from a motorway service station show up over 3 months late. It does happen sometimes. It's unbelievable in this day and age, not sure why it get's delayed, but it can happen

Eltel1802

Hi,

I just got a new MasterCard so googled whether pay at pump accepts these and came across this thread so had to post to clarify.

I work in banking so know all about it. Basically, when you use a pay at pump it's classed as an unattended transaction (i.e. there's not a person taking ur payment). It's not just pay at pump. Paying on a train for a ticket is the same.

What happens is you enter your pin and £1 appears to be deducted from your account. This is to ensure you have a 'debit or credit' card. These cards guarantee the lender (in this case the pay at pump) that the payment will be honoured, regardless of your account balance. So if you only had £1 in your account, this transaction would put you into debit whether you have an overdraft on your account or not. It's a maximum of £99 because usually a current account has a default of £100 (so £1 check and £99 petrol). However in reality that isn't always the case as explained below.

Not all cards are accepted at the pay at pump. For example Visa electron, Savings accounts - accounts you wouldn't get a 'debit' card for will not be accepted.

As soon as you enter your PIN and it's checked your card, if it liked it your account will be debited £1. Now a days the actually amount for the petrol or whatever you bought like a train ticket will usually be taken from your account the following day (although this depends on what time you do it at - it could be 2 days later if you fill up at say 11pm).

To be clear - you do not get £1 plus the amount of the transaction deducted. The £1 is cancelled (so back in your account) and the true amount deducted.

But please don't think this is a great idea if you're skint and fill up a few days before you are paid because if you do not have an arranged overdraft with your bank you could face charges that total far more than the amount of petrol you got!

And finally if you are at a pay at pump and it says declined, you will get a receipt to confirm this as proof. Usually if you try again or again it'll work. If you have a card that's not accepted the machine will tell you and you then know there's no point in trying again!

Hope this helps explain this!

Stoke

I love this feature. There have been times (albeit in the past) when I needed to get some fuel, but pay a few days later......
Perfect.

Fireflyaway

I have to admit I've used the delay to my advantage on numerous occasions. I've filled up knowing I only need £1 in my account when its close to payday. I'd only risk it max 2 days before pay day just in case.
I have never experienced a delay as long as you mention but as a previous poster explained, it can technically take 6 months after your cases is authorized. I suppose the only way to avoid it happening again is to pay cash.

iamlost1234

I have very an important for myself qusetion and i really hope someone could give me the rightanswer.I will travel with my car from Newcastle to London which distance is around 280 miles and i have only 3 quid in my debit card, of course i have some cash for food,drinks etc. but my question is am i gonna be able to full my tank at the begining of my trip and then when i am closer to London after probably 5 hours i will run out of fuel so my real question is am i gonna be able to fill the tank for a second time as some of you said that i need only 1 quid for the transaction which makes 2 quid for 2 transactions?