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Morrisons Pay-At-The-Pump Warning
Comments
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BoGoF said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
I'd expect that fuel stations are no longer offline as the pre-auth can be declined in real-time, if there is insufficient funds.
https://www.ukfinance.org.uk/policy-and-guidance/guidance/pay-at-pump
"Previously customers had £1 pre-authorisation taken from their account to confirm that their card was valid before they began to fill up. The exact cost of the fuel would then appear on the customer's account typically one or two days after the transaction. "
This is likely the 'offline days' you refer to. The £1 was not checked and was a token amount only to see if the card approved the transaction (confirming the pin entered was correct).
"Under the new system, the transaction will be posted to the account straight away, meaning the customer should see an accurate balance on their account as soon as they have finished filling up and paid the correct amount. The new system also helps to ensure customers have enough funds to pay for the petrol required. "
"If a customer's account balance is less than £120, this is communicated to the petrol pump by their bank or card company, enabling only that amount of fuel to be dispensed. The pump will then automatically cut out once the customer has reached the approved amount."
This doesn't sound offline to me.0 -
Exodi said:BoGoF said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
I'd expect that fuel stations are no longer offline as the pre-auth can be declined in real-time, if there is insufficient funds.
https://www.ukfinance.org.uk/policy-and-guidance/guidance/pay-at-pump
"Previously customers had £1 pre-authorisation taken from their account to confirm that their card was valid before they began to fill up. The exact cost of the fuel would then appear on the customer's account typically one or two days after the transaction. "
This is likely the 'offline days' you refer to. The £1 was not checked and was a token amount only to see if the card approved the transaction (confirming the pin entered was correct).
"Under the new system, the transaction will be posted to the account straight away, meaning the customer should see an accurate balance on their account as soon as they have finished filling up and paid the correct amount. The new system also helps to ensure customers have enough funds to pay for the petrol required. ""If a customer's account balance is less than £120, this is communicated to the petrol pump by their bank or card company, enabling only that amount of fuel to be dispensed. The pump will then automatically cut out once the customer has reached the approved amount."
This doesn't sound offline to me.0 -
EnPointe said:the whole myth of 'people will stop retailers from doing something ' has been proven to work once in the entire history og mankind and that was Booths in it;s tiny Niche dropping self service tills.2
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Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
As someone else mentioned, to stop people spending more than they had available & incurring fee's. Then kicking off about being charged for their overspending. Blaming banks for not having a system in place to stop it.
Now there is, people still kick off.
Think it was back in 2018 when it was 1st introduced in UK (Europe had been going long before with no problems) People kicked off, media got involved & it was dropped. Only to be brought back a couple of years ago.
Can never please everyone 🤷♀️Life in the slow lane1 -
Betterthanlife said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
Although as a side note, at what age are we now classifying people as pensionsers.
As a woman it would have been 60. Now it's 67. It may well change again in the future to an even older retirement age. Am I only allowed to play the age card when I hit that magic target?All shall be well, and all shall be well, and all manner of things shall be well.
Pedant alert - it's could have, not could of.2 -
elsien said:Betterthanlife said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
Although as a side note, at what age are we now classifying people as pensionsers.
As a woman it would have been 60. Now it's 67. It may well change again in the future to an even older retirement age. Am I only allowed to play the age card when I hit that magic target?
I do not understand the pensioners group as an automatic correlation with "mentally incapable", I know quite a lot of very capable pensioners, most are of an average level of capable comparable to the general population and the ones who are not are probably only slightly higher in percentage than the number of those who are incapable across most age groups.0 -
elsien said:Betterthanlife said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
Although as a side note, at what age are we now classifying people as pensionsers.
As a woman it would have been 60. Now it's 67. It may well change again in the future to an even older retirement age. Am I only allowed to play the age card when I hit that magic target?0 -
MattMattMattUK said:elsien said:Betterthanlife said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
Although as a side note, at what age are we now classifying people as pensionsers.
As a woman it would have been 60. Now it's 67. It may well change again in the future to an even older retirement age. Am I only allowed to play the age card when I hit that magic target?
I do not understand the pensioners group as an automatic correlation with "mentally incapable", I know quite a lot of very capable pensioners, most are of an average level of capable comparable to the general population and the ones who are not are probably only slightly higher in percentage than the number of those who are incapable across most age groups.
20 -30 years ago when things like home broadband and everyone in the workplace from the Warehouse cat to the CEO having a company email address were rare , a lot of the arguments about technology may have held some water, but today's 80 year olds turned 65 in 2009 ...1 -
born_again said:Exodi said:BoGoF said:Exodi said:Ectophile said:
pre-authorise £120 even if you only want half a tank of fuel.
Only pre-authorising £1 when the customer could fill up £120 and flee is a risk to the retailer. Therefore some opt to remove that risk by pre-authorising a higher amount.
As someone that has family in France, I'm quite used to this. I also totally get why they would do that, I don't start jumping to conclusions about corporate
As someone else mentioned, to stop people spending more than they had available & incurring fee's. Then kicking off about being charged for their overspending. Blaming banks for not having a system in place to stop it.
Now there is, people still kick off.
Think it was back in 2018 when it was 1st introduced in UK (Europe had been going long before with no problems) People kicked off, media got involved & it was dropped. Only to be brought back a couple of years ago.
Can never please everyone 🤷♀️
As you say, sometimes I think people just can't help complaining about anything.0 -
I have read threads like this for the last 6 years or so.
The first new report I can find is May 2018.
From memory it all started with a £99 charge way back when.
God help you all when we are forced into electric only cars.
You are pre authored for only £45 or £60 etc.
Then the charger does not work, onto the neighbouring charger and charged again.
What the hell that one will not charge, onto a third.
We will all need credit cards with a 5k limit for a £20 charge.
My friend waited 42 days and 60 days for pre authoring to drop off this card.
Two faulty charges in a row.
What fun is lurking round the corner.
I only use Costco pay at pump, with a credit card to avoid this issue.1
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