Frustrating Long-Winded Payment Process

Hey, all!

I thought I’d put this out there to see if it’s me just being annoyed for no reason or if it bothers other people, too.

When I make payments to my credit card, I get two really annoying additional steps. The first states:

We couldn’t check this account

…where I tap “Continue anyway” for it to then immediately pop up with…

Could someone be trying to scam you?

…where I then again tap “Continue anyway”. I know this is just two steps, however, when this then takes the overall number of taps to nine, on top of the keying in of the amount to make a single payment, it makes the whole process very frustrating.

I raised this with Monzo a year or so ago, where they did internally raise a complaint and ended up giving me £25 compensation for some reason :man_shrugging:t4:. The issue is down to the credit card’s account being a “sorting account”, therefore, there isn’t a name on the account to match, thus the potential scam warning.

All I wanted was for the devs to implement either a way to mark a payee as “safe”, or for it to learn that itself, considering I’ve made hundreds of payments to this account already.

I look forward to seeing other people’s thoughts!


You know it’s safe, you’re confident enough to keep pressing to skip forward, but many many people fall for scams every single day.

It’s (probably) once a month, the extra taps if all added up in time, they probably add up to less time in your life ever, than it took you to complain to Monzo/write this thread.


I find this really frustrating too. Enough that I stopped paying this way, and it’s my favourite way to pay.

Surely Monzo will know what the account you’re paying is. And surely after a few bills have been paid, they know to trust it?

By forcing this stuff so unnecessarily, we get trained into dismissing it, which means we end up ignoring it when it really matters too.

It was discussed in another thread related to APP fraud. Banks need to get smarter with showing these warnings. They really do.


Agree, these days I instinctively tap the confirm button without reading what it even says as I’m assuming it’s a scam warning, one day it might be telling me something else and I just dismiss it entirely. Am sure there is a viable middle-ground somewhere of banks covering their arses and looking out for the consumer, vs being able to trust a payment to a frequent recipient and remembering that most transactions are legit.


Just to note with HSBC when you pay the credit card off (which is a known account) you can enter the amount and it will autogenerate all the details.

Now, that’s from internal account to internal so not sure this would or should work on the basis that the payment might be to an external card.

Sounds like it could be slightly simplified from the comments.

That’s why like to pay my credit card by faster payment with details I already have.

And this is probably why it doesn’t actually stop the scams! That and because people don’t actually realise it’s a scam so no warning will do anything anyway.

Most likely, I was just thinking that while I’m sure they have been effective to a degree and prevented some people being scammed, there are still people being scammed even with the warnings, so on top of being annoying for people who aren’t being scammed they’re not even working all the time for people that are.

I do think there needs to be a shift away from the confirmations that just shift the blame to the customer if they’re approved, I just don’t know what a good alternative is. I think people have suggested some sort of hold or delay on the transfer actually being sent until further checks have been made, but then that would be a pain for things like paying for piece of furniture you’ve picked up on Facebook Marketplace. I’m sure there can be exceptions made for things like paying credit cards though, if it’s a repeating payment and the names on the accounts match I can’t imagine there would be much scope for scams there.

@HoldenCarver had some really good ideas in the thread I’ve linked to above honestly. They’re worth thinking about at the very least.

An escrow system, as opposed to a hold, would probably bring benefits to buying furniture over Facebook than actually hindering the process as well. It’s slower yes, but significantly safer for both parties.

And given how popular a medium that is for fraud, I’d rather preventative efforts actually focus on, hone in, and introduce inconveniences there, as opposed to a lesser more blanket inconvenience that’s more to do with shifting liability than actually protecting anyone.


This is actually what this process is. One of the nine steps is selecting the saved payee I’ve paid hundreds of times.

Exactly! It really would be a very simple it of logic for the developers to programme in.

I agree with your points in general about the overall process needing much more thought to better protect everyone, as opposed to just passing the book.

I’m glad it’s not just me, then, lol. I should look at other options to make payments. However, I’ve built my own custom web application to auto-reconcile payments based on the Monzo category I assign the payment to at the end of the faster payment. I suppose I could make the payment by another means, and then categorise it in the app afterwards.

As you agreed, though, it really should be something that the devs programmed in, I.E, for it to learn that the payment is safe, especially after hundreds of payments!

I’ll take a look at the other thread you shared, too.

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I used to have this problem with capital one, but I tried a few variations of “capital one” and got a partial match which tells you the exact name of the account.

I’ve now updated it so that I’m paying something like Capital One (Europe) PLC and it goes straight through.


Don’t suppose you have any idea what the Barclaycard one might be?

Could try Barclays Bank UK PLC or something similar?

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Thanks, but unfortunately not :frowning:

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Yeah, I tried all of this many times. I even spoke to Santander numerous times and then Monzo, who confirmed it was down to it being a “sorting” account :crying_cat_face:, and that no matter what I entered, it wouldn’t work.

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Crazy, would make more sense if it said the account doesn’t support it opposed to just wrong wrong.

Any variation of Barclays, Barclays Bank, Barclays plc :sweat_smile:

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None of those work either :frowning:

Nor do any similar variations with Barclaycard instead of Barclays

If you’re paying an external credit card (or many other large organisations) HSBC have a “company list” which already contains their bank account details - so all you need to do is choose the payee and enter your reference/card number.

They then store your details for any future payments.

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