Pay at pump morrisons

johncas1

Tried to use Morrisons pay at pump with a hsbc visa debit card was declined went to tesco used pay at pump card went straight through do morrisons use a different system than tesco thought they use same system I know morrisons pre authorise £99 thought tesco did the same so if card declined at one place would do at the other

WellKnownSid

As Morrisons and Tesco are different companies, they are wired to different hardware, hooked up with different communication lines, connected to different providers feeding different acquiring banks.

Nothing same other than they probably both use Gilbarco pumps.

Cashmygiro

My Amex card doesn't work in Asda pay at pumps.

Bigwheels1111

I thought is was £120 now.

Always use a credit card for pay at pump.

That way the system has 6 weeks to sort itself.

I made the debit card mistake once.

Took 20 calls to bank and Tesco head office to get my money back.

Almost instant retun offunds my AR5E

https://www.themoneyedit.com/consumer-advice/paying-at-the-pump-why-is-my-payment-card-pre-authorised-for-up-to-pound120-when-i-fill-up

WellKnownSid

Cashmygiro said:

My Amex card doesn't work in Asda pay at pumps.

Amex are issuer and acquirer all rolled into one so have skin in both games. They insist all but tiny merchants have a direct relationship with them. Not every merchant chooses to play the game in every channel, especially where margins are tightest.

WellKnownSid

Bigwheels1111 said:

I thought is was £120 now.

Always use a credit card for pay at pump.

That way the system has 6 weeks to sort itself.

I made the debit card mistake once.

Took 20 calls to bank and Tesco head office to get my money back.

Almost instant retun offunds my AR5E

It’s complicated - because there are so many parties involved and the actual bank / card / account / what you see on your statement / what you have as available funds is held together by sellotape and pliers in the various banking systems, not all updated in real time.

The article is slightly wrong by the way.  Pre-auth has been around for years.  Mastercard changed the rules a couple of years back making it harder for merchants to hold on to authorisations by fining those that ended up capturing a different amount i.e. they would be forced to re-authenticate with the correct value at the time - they couldn’t just hang on to the full £120 auth and magically capture just £25 a month later when they got around to it.