This has happened to me a few times now since the obligatory chip and pin after x payments feature came in.
I leave a place only to realise I wasn’t charged because monzo declined the payment and the vendor didn’t notice. I try and correct it while I can but if I’m far away I feel bad that I have effectively conned the vendor.
Does this appear differently to them than a regular declined transaction as they don’t seem to notice it?
EDIT: I clearly need to clarify as everyone has just assumed that I tapped my card and ran out. I always wait for the cashier to tell me it was approved. In the case above the cashier tapped my card for me (paying a tab in a pub). The cashier always thinks this has been approved when it hasn’t. I don’t know why it’s less clear than a regular declined card but it seems to not register the same. This has happened to me in multiple different stores now, and I don’t always have my phone out nor want to have to look at my phone everytime I pay for something.