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    • Heng Leng
    • By Heng Leng 6th Feb 18, 4:18 PM
    • 4,473 Posts
    • 1,396 Thanks
    Heng Leng
    Either way it works at pay@pump which is a must for me. The only bugbear I have is cash machines always bring up a message saying my card issuer may charge me and asks if I want to continue or not. You never get this with Visa debit cards.

    Also the instant notifications only happen if you have the app always open in the background.
    Originally posted by LeeUK
    Pay at Pump isn't a definitive indicator of online as the card issuer can disable this or not. My (RIP) N&P debit card worked at Pay at Pump but other issuers (e.g. RBS) disable Pay at Pump on their online debit cards.

    I like the flexibility of a (cheapie) debit card when travelling
    • LeeUK
    • By LeeUK 6th Feb 18, 5:48 PM
    • 5,888 Posts
    • 2,693 Thanks
    LeeUK
    Pay at Pump isn't a definitive indicator of online as the card issuer can disable this or not. My (RIP) N&P debit card worked at Pay at Pump but other issuers (e.g. RBS) disable Pay at Pump on their online debit cards.

    I like the flexibility of a (cheapie) debit card when travelling
    Originally posted by Heng Leng
    It's the same with contactless payments. It was touted as being quick as the retailer didn't have to authorise it at the point of transaction etc etc. Yet if I'm receiving an instant alert from the Starling app that I used my card, then some connection is being made to the outside world from the retailer.
    • username
    • By username 7th Feb 18, 6:58 AM
    • 431 Posts
    • 149 Thanks
    username
    It's the same with contactless payments. It was touted as being quick as the retailer didn't have to authorise it at the point of transaction etc etc. Yet if I'm receiving an instant alert from the Starling app that I used my card, then some connection is being made to the outside world from the retailer.
    Originally posted by LeeUK
    I think they have recently changed this so that ALL contactless transactions now have to be authorised online, irrespective of how they are made (using a card, device etc) and for whatever amount.

    It's not so noticeable in places which have a permanent connection as only adds a second or two onto the transaction time, however, those places with stand alone card machines connected to a dialup phone line it is most apparent the transaction goes online, and is like returning to ye olde days when cards came out.
    • Heathereve
    • By Heathereve 7th Feb 18, 8:56 AM
    • 7 Posts
    • 1 Thanks
    Heathereve
    Reminds me of the days before I had mine stolen !!!128549;
    Keep them safe guys because it's a lot of hassle getting them all replaced and even remembering exactly what was in there
    • MrsSave
    • By MrsSave 7th Feb 18, 1:08 PM
    • 1,472 Posts
    • 4,772 Thanks
    MrsSave
    I've recently had a clear out of my purse and this is the condensed version

    Debit cards x 4
    Tesco credit card
    Tesco clubcard
    Sparks card
    AA breakdown card
    Driving licence
    Library card x 2 (mine and my 4 year old's)
    National insurance card
    Give blood card
    Co-op card
    Boots card
    Matalan card
    Morrisons card
    Hairdresser appointment card
    10 note
    Just under 5 in change
    Trolley coin x 2.
    YNAB - one of my favourite money saving tools
    Finally debt free (other than the mortgage) - 05/02/18
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • Heng Leng
    • By Heng Leng 7th Feb 18, 3:03 PM
    • 4,473 Posts
    • 1,396 Thanks
    Heng Leng
    I think they have recently changed this so that ALL contactless transactions now have to be authorised online, irrespective of how they are made (using a card, device etc) and for whatever amount.

    It's not so noticeable in places which have a permanent connection as only adds a second or two onto the transaction time, however, those places with stand alone card machines connected to a dialup phone line it is most apparent the transaction goes online, and is like returning to ye olde days when cards came out.
    Originally posted by username
    I suspected as much - Waitrose and Tesco used to spit out the receipt virtually instantly, now they take a few seconds.
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