I had a disastrous experience this weekend with Android Pay (not Monzo) - two transactions, same shop. First one was for £75 and went through fine. Second one was for £8.50 (much less) and, apparently, was declined and the shop didn’t notice (I got a till receipt and all).
When the second one didn’t show up on my statement, I called the bank (again, this isn’t Monzo - it’s a major international bank that issues their own cards and runs their own major global payment network) and they said something along the lines of ‘two transactions so close, you might have dropped your card’
- I was using my phone, which is locked. Granted, that doesn’t apply to Android Pay for under £30 (they allow that without PIN/biometrics, mainly to make public transit easier I think).
- Okay, let’s say I’d dropped my phone - that perfectly explains why you approved all subsequent transactions that afternoon sigh
My point? This stuff happens, sometimes for illogical reasons. It’s especially bad if it declines unnoticed and you need to get the shop to go through records so you can pay them later! It’s a pain to deal with and embarrassing for everyone, but Monzo is hardly unique in these issues.
I’ve got a number of credit and debit cards from multiple countries. Declines are… insanely common on pretty much every one…