Supermarket transaction not listed in banking app

born_again

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago.
Why it does not show at your end I do not know, but they have to be approved by your bank. 

colsten

I agree with Fingerbobs. Some contactless transactions appear in the transaction list days after the event. My most recent ones were at Basel airport, on terra firma in their Duty Free. All ApplePay - perhaps that makes a difference, or perhaps it's delay for purchases outside the UK. I can't say I remember a delay on ApplePay transactions in the UK. Aside, that is, from TfL payments, which you commit to at the start of your journey but which don't complete until your journey is complete, which might be hours later.

Sandtree

born_again said:

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago. 

Then how do payments get made on things like airplanes and buses work @born_again ?

GoHenry for example state that their card cannot be used on buses because they are offline contactless payments which they dont allow for the card.

dr_adidas01

born_again said:

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago.
Why it does not show at your end I do not know, but they have to be approved by your bank. 

Again it’s not true I’ve also done it on Airplanes and at airports and it doesn’t show or deduct from my balance until a few days later. Also doesn’t do it when I’ve used it on trains either. 

So perhaps your not as clued up in your role as you think you are!! Or it only applies to the financial institution that you work for or the products your trained on!?!

XDA

Quick update.

I got a notification from my banking app earlier this afternoon to say the payment had left my account.

So it appears on this occasion there was no pending transaction and the payment left my account 24 hours later.

Must just have been one of those things as I’ve been shopping at the same supermarket on the same day every week at roughly the same time with the same bank card for the past year and never had this before! 

born_again

Sandtree said:

born_again said:

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago. 

Then how do payments get made on things like airplanes and buses work @born_again ?

GoHenry for example state that their card cannot be used on buses because they are offline contactless payments which they dont allow for the card.

Busses are authed. WiFi... TFL do it all the time.
Aircraft can be the same.

surreysaver

born_again said:

Sandtree said:

born_again said:

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago. 

Then how do payments get made on things like airplanes and buses work @born_again ?

GoHenry for example state that their card cannot be used on buses because they are offline contactless payments which they dont allow for the card.

Busses are authed. WiFi... TFL do it all the time.
Aircraft can be the same.

TfL buses aren't. Other buses are. TfL add it up at the end of the day, and just keep a list of blacklisted cards that get declined which the ticket machines get uploaded with

Sandtree

born_again said:

Sandtree said:

born_again said:

Fingerbobs said:

born_again said:

All contactless go for authorisation. So floor limit is £0.00

This can't be true in all cases, as I have made contactless purchases on aeroplanes before, and they didn't appear as pending transactions at all, and just appeared as completed transactions some days later.

It is true. Should know as it's part of my role.
We used to have to monitor accounts in cases where card were stolen prior to the change. Once it was changed it was not required.
Visa & Mastercard mde changes to the system about 3 years ago. 

Then how do payments get made on things like airplanes and buses work @born_again ?

GoHenry for example state that their card cannot be used on buses because they are offline contactless payments which they dont allow for the card.

Busses are authed. WiFi... TFL do it all the time.
Aircraft can be the same.

According to Go Henry, only TFL are authed, other buses, planes and trains arent hence cannot use with them or are you saying Go Henry are wrong @born_again?

Similarly Will freezing your card block contactless payments? – Which? News states:
A spokesperson from Mastercard told us: ‘All contactless payments on our network need to go online for authorisation, with certain exceptions.  Those exceptions are mainly for TfL and other transport services with variable pricing depending on your journey, and these transactions represent the overwhelming majority of the approx. Some 1% of contactless transactions in the UK remain offline.’

The article is 16 months old but thats well within the 3 years ago change you mentioned.

born_again

All I can say is since Visa & Mastercard mandated that ALL contactless payments have to go for authorisation. We have never seen one come through (other than already authorized pre stop) on any customers card after the card was stopped.

I would never put much faith in "Which" due to their warnings on CPA, which is exactly what they use for their subscriptions & the fact that charge many various prices for exactly the same product. 

As to GoHenry. No idea as it is a pre-paid card & not a full Visa card. 

Sandtree

born_again said:

I would never put much faith in "Which" due to their warnings on CPA, which is exactly what they use for their subscriptions & the fact that charge many various prices for exactly the same product. 

In principle I equally don't have a great opinion of Which? either but I do believe they should be able to copy/paste or transcribe an interview accurately. Their own opinions, ability to factor in consumer bias etc is a whole different matter.