Disable active card checks for particular website?

Do they offer Apple Pay/Google Pay as an option? I choose that for my Ocado deliveries and it removes the endless active card checks (as there is a biometric scan in app when using Apple Pay).

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You shouldnā€™t be surprised. You were told this in the first few responses in this topic.

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The merchant can turn on or off 3D secure, however, depending on who they use to process their payments, the average transaction value, liability and total sales, it might be mandatory that it is enabled. Even then there is an algorithm for what triggers it to ask for authentication.

I would imagine that whichever bank they use to process their payments will also play a part. So as you mentioned, perhaps Sainsburys do their own banking with Nationwide so theyā€™re given more flexibility.

At the end of the day there are too many variables and therefore itā€™s one of those things we will never know.

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Good thing no one was surprised then. It was also mentioned that Monzo might have been able to turn it off so was worth a try, especially as it seems Iā€™m not the only one annoyed by this.

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The way you wrote it seemed like you were expecting a different response despite being told otherwise. Especially since youā€™re now going to ask again with a different merchant and are ā€œhopingā€ for a different outcome :see_no_evil:

This is just another one of the issues where the solution is ā€œdonā€™t use monzo.ā€ Sadly, thatā€™s about the only response youā€™ll get from this forum.

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Itā€™s suggested at the start of the thread to mention it to Morrisonsand Iā€™ve already said that I assume they wonā€™t do anything to help. Is it worth spending a few minutes of my time to see if they can make a change which will mean we wonā€™t have to switch from Monzo to another bank? Sure it is!

No need to get upset.

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It isnā€™t the only response, to be fair. But it is often the one that works best.

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Donā€™t worry Iā€™m not upset :smiley:

I just find it odd that you ask for help, ignore it all and then go into chat and ask. Surely you should have done from the outset if you donā€™t value peoples opinions on here? Or is it because you didnā€™t get the answer you wanted?

Either way. Let us know what they say about Morrisons.

Probably. I had a winking face on the end of my last statement and it was flagged, which implied I knew the outcome mixed with a bit of satire so I just removed it and my post is visible again.

I donā€™t think name calling will help either - Iā€™m certainly not grumpy. I explained in my last comment why I asked the question and itā€™s a fair comment.

Welcome to the forum! Please donā€™t let it put you off letting us know what Morrisonā€™s have to say.

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@Anarchist even posted saying he had a similar issue with Sainsburys until he called his previous bank and they whitelisted Sainsburys on his account. Donā€™t see why getting in touch with Monzo after that is a bad idea.

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Ignoring the ā€˜difficultā€™ people beingā€¦ ā€˜difficultā€™ā€¦ this is interesting as Itā€™s my understanding that Morrisonā€™s online is basically an adapted version of Ocado, and I had a period of a few weeks where suddenly every time I made a change to my Ocado shopping and so had to checkout again it performed another card check and needing to authorise again, which led to my feed being full of of 0p transactions each time I remembered I needed to add a pint of milk or some aquafaba or a royal doulton tea service. After a few weeks it stopped and, as before, only does this on the first checkout and no future ones. I only mention it as it may be a feature of the Ocado system, rather than something that Morrisonā€™s themselves can easily do anything about.

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This does seem to be more and more common across the web now. I remember it being brought up before.

Seems like itā€™s only going to be worse!

Just to retry my comment from above as it got a little missed. Can you set up Monzo with Apple Pay/Google pay and check out with that? It fixed the issue for me on Ocado.

Will give that a go in a bit! Thanks

If Monzo had a decent fraud modelling team they would be able to score transactions in real time and set referral strategies - this is exactly what the bigger uk banks do, you know, the ones that arenā€™t as ā€œnimbleā€ as Monzo :joy:

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Two things:

  • ā€˜Bigger UK banksā€™ have decades of data to help them model risk, Monzo only has a few years worth.
  • My understanding is that if a bank completes a 3D Secure check the merchant initiates without passing the check on to the customer, the bank assumes liability for any fraud. Monzo donā€™t have the deep pockets to cover such risk that ā€˜bigger UK banks doā€™, so itā€™s no surprise that they are erring on the risk averse side still.
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You donā€™t need decades of data to build a decent transaction whitelisting model, itā€™s straightforward, but given the topic itā€™s best not discussed in open forum

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Iā€™m assuming they already do, do some internal checks of some sort. Iā€™ve had purchases go through 3D secure which I donā€™t need to authorise, it brings up all the Monzo branding etc and then says the payments been authorised. Always retailers Iā€™ve used before, so it is doable I guess it just depends on what their own internal risk policies are as to what theyā€™ll do though.

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