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.
Chase are currently who I’m using for mine and so far without issue, so will see if they go out on Friday.
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 think it’s time based though as well, as the authorisation is only value for a period of time, so if you reauthorised it recently, vs someone that didn’t, then they’d fail or pass.
It’s not like everyone will fail at the same time.
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.
Maybe Amazon have started failing old ones, but new ones are using the correct method, so over time you’ll end up with them all not failing at all? 
Not sure. 
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!
Nope. Don’t have prime no more, so don’t shop Amazon outside of subscribe and survive. Mine is processed monthly on the 1st.
I don’t recall ever authorising my cards with amazon either besides the first time I added them to my account, which for Chase will be however long ago they launched.
Just reporting back to say my subscribe and save payments all went through early this morning without any issue. That’s with Chase.
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.
Maybe. We’re just a sample size of two.
I don’t have a Twitter account anymore to see if Chase are getting lots of tweets about this issue like Monzo were, to corroborate any kind of trend.
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.
They may have done.
Amazon may not care because people just sort it themselves & blame Monzo, Amazon have no net loss by it failing and so no incentive to fix.
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
Hi, I found this thread doing a Google search for the issue with subscribe and save payments not going through.
I’m not a Monzo user but a Curve card user which allows you to use your Curve card as a front end for the payment allowing you to choose which back end card the transaction runs through with cashback and other rewards.
Anyway I have exactly the same issue and had Curve blaming Tesco bank and the bank blaming the Curve system but was interested to find the view of some of the more financially savvy users on this forum which suggested the Amazon transaction system to be a bit clunky from what I gather.
I looked at my payment settings in Amazon and noticed no card was set as the default. When I went to set the Curve card as default Amazon did an authentication to complete setting the card up as the default.
Does any of the savvy users of the forum think this might help?
