Nationwide rejecting a higher visa debit card amount (over £1000) for online purchase

GervisLooper
GervisLooper Posts: 162
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edited 30 November 2023 at 5:24AM in Budgeting & bank accounts
I was trying to pay by stripe processor yesterday on a web store and it kept getting rejected.

I wasnt even getting a message it was declined, the paymeny just wouldnt complete and the page would hang, but support for the site told me it was being declined.

I can only assume it is for the higher than usual amount as I pay for things almost daily sometimes but usually only in the range of <10 to low hundreds max.

Oh and I do have the funds in the account which I did check and it is about £+400 over the total cost of £1100 odd.

I get that it is because security but why dont they offer the chance to do verified by visa and 2fa or card reader? I got no option for that just declined.

I plan to try ringing them later to see.

There is the option to pay by bank transfer but I want to avoid that since there is less protection isnt there compared to visa. I read yesterday it is like giving someone cash. I dont see how it could be quite like that since the person still has to have registered an account and given identifying information.

Comments

  • wmb194
    wmb194 Posts: 3,132
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    I was trying to pay by stripe processor yesterday on a web store and it kept getting rejected.

    I wasnt even getting a message it was declined, the paymeny just wouldnt complete and the page would hang, but support for the site told me it was being declined.

    I can only assume it is for the higher than usual amount as I pay for things almost daily sometimes but usually only in the range of <10 to low hundreds max.

    Oh and I do have the funds in the account which I did check and it is about £+400 over the total cost of £1100 odd.

    I get that it is because security but why dont they offer the chance to do verified by visa and 2fa or card reader? I got no option for that just declined.

    I plan to try ringing them later to see.

    There is the option to pay by bank transfer but I want to avoid that since there is less protection isnt there compared to visa. I read yesterday it is like giving someone cash. I dont see how it could be quite like that since the person still has to have registered an account and given identifying information.
    Nationwide may not like the retailer. The protections with credit cards are far stronger than with debit cards, it would be far better to use one of those for an amount like this. When you pay by debit card they should have the money next day. 
  • wmb194 said:
    I was trying to pay by stripe processor yesterday on a web store and it kept getting rejected.

    I wasnt even getting a message it was declined, the paymeny just wouldnt complete and the page would hang, but support for the site told me it was being declined.

    I can only assume it is for the higher than usual amount as I pay for things almost daily sometimes but usually only in the range of <10 to low hundreds max.

    Oh and I do have the funds in the account which I did check and it is about £+400 over the total cost of £1100 odd.

    I get that it is because security but why dont they offer the chance to do verified by visa and 2fa or card reader? I got no option for that just declined.

    I plan to try ringing them later to see.

    There is the option to pay by bank transfer but I want to avoid that since there is less protection isnt there compared to visa. I read yesterday it is like giving someone cash. I dont see how it could be quite like that since the person still has to have registered an account and given identifying information.
    Nationwide may not like the retailer. The protections with credit cards are far stronger than with debit cards, it would be far better to use one of those for an amount like this. When you pay by debit card they should have the money next day. 

    I am using a visa debit card, as stated in the title.
  • wmb194
    wmb194 Posts: 3,132
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    wmb194 said:
    I was trying to pay by stripe processor yesterday on a web store and it kept getting rejected.

    I wasnt even getting a message it was declined, the paymeny just wouldnt complete and the page would hang, but support for the site told me it was being declined.

    I can only assume it is for the higher than usual amount as I pay for things almost daily sometimes but usually only in the range of <10 to low hundreds max.

    Oh and I do have the funds in the account which I did check and it is about £+400 over the total cost of £1100 odd.

    I get that it is because security but why dont they offer the chance to do verified by visa and 2fa or card reader? I got no option for that just declined.

    I plan to try ringing them later to see.

    There is the option to pay by bank transfer but I want to avoid that since there is less protection isnt there compared to visa. I read yesterday it is like giving someone cash. I dont see how it could be quite like that since the person still has to have registered an account and given identifying information.
    Nationwide may not like the retailer. The protections with credit cards are far stronger than with debit cards, it would be far better to use one of those for an amount like this. When you pay by debit card they should have the money next day. 

    I am using a visa debit card, as stated in the title.
    Yes, I realised.
  • lr1277
    lr1277 Posts: 1,632
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    The following is pure guesswork based on experience from FD and not knowing how Stripe nor Nationwide works exactly.
    Do you need to confirm online transactions in the Nationwide app? IIRC Stripe is in the middle between you and the retailer? If I am correct is it possible that Stripe’s processes prevented you from confirming the transaction in the Nationwide app?
    I ask because recently I sent money to a charity through its website. Even though the sum was small, I was asked to confirm through the FD app. But the website did tell me I would need to confirm the transaction in FD’s app.
    i am wondering if Stripe prevented any transaction confirmation required by Nationwide?

  • Migster
    Migster Posts: 150
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    Strong Customer Authentication (e.g. Verified by Visa) is now mandatory, so if the website/merchant isn't using this, Nationwide may be declining for this reason (a "soft" decline advising the merchant to resubmit with SCA) or the high value and/or merchant could be triggering a risk-baed rule. 
  • lr1277 said:
    The following is pure guesswork based on experience from FD and not knowing how Stripe nor Nationwide works exactly.
    Do you need to confirm online transactions in the Nationwide app? IIRC Stripe is in the middle between you and the retailer? If I am correct is it possible that Stripe’s processes prevented you from confirming the transaction in the Nationwide app?
    I ask because recently I sent money to a charity through its website. Even though the sum was small, I was asked to confirm through the FD app. But the website did tell me I would need to confirm the transaction in FD’s app.
    i am wondering if Stripe prevented any transaction confirmation required by Nationwide?


    Migster said:
    Strong Customer Authentication (e.g. Verified by Visa) is now mandatory, so if the website/merchant isn't using this, Nationwide may be declining for this reason (a "soft" decline advising the merchant to resubmit with SCA) or the high value and/or merchant could be triggering a risk-baed rule. 

    Nationwide blocked the card altogether for unusual activity which stemmed from this attempted purchase to the US. I rang them and they sorted it swiftly.
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