When you make a normal transaction on Amazon, do you have to approve it?
Nope just goes through. Maybe for larger purchases, but it’s not often.
I don’t use S&S but can I ask all of you who are having these issues - are you having similar problems with other regular saved debit card payments?
I have about 10 monthly or 6-monthly payments on a VC and so far (over a year now I think) none of those payments has ever been rejected, they all go through on their respective dates.
For the first time, three of my S&S payments went through automatically and without errors today!
(I haven’t changed anything on Amazon or in Monzo)
I encountered this issue for the first time today. This is something that should just work. I shouldn’t have to go in and reenter the card details in Amazon, just because I set it up months ago. That’s the whole point of subscribe and save!
same issue here, very annoying
I just had a subscribe and save fail this morning with my Chase card.
I never had a Sub & Save fail with any bank until Chase did this morning, I should maybe asked them why they blocked it.
Amazon tried twice, once at 1:49 AM and then again at 7:52 both declined.
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FYI, I wonder if more will have this problem with Chase as well randomly, I only have 2 things on Sub & Save and one is with Chase and one is with Monzo, Monzo has never failed but now Chase is.
I wonder if it will keep happening or if Chase will whitelist amazon to avoid getting a poor impression, we will see when it next goes through, I will put my other S&S on Chase as well to see if it breaks for the kicks.
Yeah I mean I need to move that S&S to a later date to ensure cashback as I dont use the chase when it runs out but the card was used on amazon at the start of the month without issue or SCA check.
But then, like people reporting Monzo for failing, you may be fine and I may keep failing, it seems quite random for the minority that get it. Chase doesnt have as many customers or a proper forum so its hard to gauge, at least the support confirmed its the authorisation.
I like the theory but in practice I have never found that, I very very rarely (cant actually remember the last time) have to reauth monzo. Chase had a purchase from Amazon on the 18th which wasnt a S&S.
Chase does prompt occasionally though on Amazon but usually only for the buy in 5 things which would make sense.
I think its Amazon having blips that are rare enough they havent fixed it.
The people that it’s working for, are you buying from Amazon for a normal purchase in between? Could that re-auth the card and thus it then works for your subscription?
On monzo yeah, but also on chase as well.
EDIT: OMG CHASE HAS THE WORST FORUM (they call it that but it isnt) OF ALL TIME. WHY NO SEARCH!
Yeah so it’s just as random as monzo. I am pretty sure it’s amazon causing it but it’s bizarre my monzo has never had the issue but now chase started.
I came here to discuss this issue, and can confirm that it’s really annoying. I’m going to have to switch to my NatWest card for S&S which really defeats the purpose of having Monzo as my regular spending card.
I also tried to discuss this with chat and had a pretty disappointing conversation where the person had no idea what I was talking about and when I explicitly asked him to feed this back to the programming team he refused (was unable to?). Not great.
I get this too, but most of mine are on a credit card, but they fail both on that and for the ones that I put on my Monzo (I try to put pre-orders and subscriptions on my card so I know i’ll have a balance available, whereas my Monzo cards usually have all my spare cash in a pot which I move when I know I have a bill coming out, or payment to make) so its not a Monzo problem.
I never have issues with book pre-orders, even if I ordered them months and months previously, but my monthly subscribe and save orders have to be authorised every time. (really annoying when you have lots of items, as they charge for each one individually, and also ship them indivually too. It’s starting to make me feel I shouldn’t bother using it.)
Just to say I have not had a Chase payment with S&S fail so far yet after that one before so 
Still never had a monzo S&S fail yet.
I do really think its a quirk with amazon more than a bank fault.
Even worse now. If payments for 2 subscriptions don’t go through, not possible to confirm payment for the second one… no confirmation request in Monzo app. The only way to use another payment method
Going to take a wild stab in the dark as to the cause of this, and I think it’s Amazon, not Monzo.
When you store a card, if it’s going to be used for a subscription model, the initial transaction must go through a means of SCA, so the subsequent transactions are therefore authenticated.(CPA)
When you do this through Amazon, they never send the initial transaction through SCA I don’t believe, and therefore don’t seem to have a proper CPA flow.
When Amazon do a second request, they don’t have this SCA flow so Monzo see the authorisation and decline it since it’s already been sent.
Extremely frustrating, and no other banks have this issue though. Can’t believe Monzo haven’t reached out to Amazon to rectify it.
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Had this happen to me this morning and it wasn’t on a Monzo card it happened with an RBS Mastercard. So it’s clearly not just impacting Monzo
Wouldn’t let me re-add the RBS card and had to add another card to let the payment clear
Something up at Amazon for sure