It’s more likely an issue with the terminal I’d have thought. Monzo have the money and if they say they’ve not accepted the payment request then the money probably won’t change hands.
This is purely because I’ve not heard of transaction status changing after the event before but I guess this could be a first time if it happens.
Did you wait for confirmation at the checkout (the Monzo app kerching and successful notification) or did you do what a lot of commuters do and tap and leave straight away when the terminal had accepted the tap? There was a thread a few weeks back with that issue.
I waited at the terminal until it said that payment had been accepted on the terminal’s screen. My Monzo app didn’t send a notification at the time, I only saw the payment had been denied when I manually opened the app an hour or so later.
Kinda sounds like they haven’t configured/updated the terminal properly - it doesn’t know what to do when SCA is required. Very strange that it would accept the non-payment though.
Just to make sure the notification in the app isn’t saying: ‘Use Chip and PIN for your next transaction’? It has actually declined the Gregg’s transaction?
That means you’ve gone above the contactless limit of £100 across multiple transactions without using chip and PIN inbetween. Using Google Pay or Apple Pay means you won’t have this issue.
It’s part of new banking regulations and you can read more about it here: