Ignorable/"Invisible" Transactions

(Richard Bairwell) #1

I’d like to set a certain type of transaction type as “invisible” in such as don’t get notification sounds or alerts for them (and ideally, they aren’t counted in my feed unless “revealed”). Which transactions? Well, I sometimes use Chrome’s credit card filling thingy from my Google account and the flow there is:

  1. “Do you want to fill in this form with Monzo details - Yes”.
  2. Google takes a £1 from the card (a sort of active card check bing) and fills in the form.
  3. The merchant then process the details with the full amount bing
  4. About 5 minutes later, Google then refunds the £1 to the card (the third bing).

If I could setup “If merchant=Google and amount=£1 or amount=£-1 then do not alert” (“Do not alert for identical transaction for this amount from this merchant”?), it’ll save a lot of lot of noises (especially if I do four Google paid transactions a day - that’s 4 merchant related ones notifications and a further 8 unnecessary Google related ones).

It’ll also help once Monzo launches current accounts - I do not want notifications every month when the mortgage or council tax comes out.

(Jolin) #2

Are you saying that Google charges your card just to use an autofill feature in Chrome?

On this principle in general, I can imagine this kind of thing would make support issues a lot harder as people forget about transactions they’ve hidden. But with this and the idea to Pin specific transaction, maybe there is a demand for a “curated feed” that allows hiding and pinning, but that is separate from the main feed. Though this could like lead to a cluttered interface.

(Richard Bairwell) #3

Yes, but it’s just a temporary (about 5-10 minute window) charge before it is refunded/cancelled. “Traditional” cards aren’t an issue as the cancelled transaction will never show up on the statement (as it would never be in the batch remittance as it’s cancelled), but with Monzo being so quick and showing all transactions the second they are issued…

(Jolin) #4

Still seems like a strange practice, as it’s up to the merchant to verify your card, you’re just asking for autofill!

Anyway, I can see why this would be an irritation. You could switch to using 1Password to fill your credit card information instead, and you wouldn’t have all this unnecessary activity. I use it and it works great (and they have a Chrome extension you can use). I know it doesn’t address the more general feature request you have, but it would eliminate the particular annoyance immediately. :smile:

(Marta) #5

@jzw95 I don’t think it’s autofill as in Chrome functionality, but adding card to a service - this is doing card check. It’s merchant checking that they got a valid card, which I think then, smoothens conversion rates when actual transaction happens.

I have ocado card checks every week, as I have regular/scheduled deliveries. The check is £0, and this annoys me in a similar way. Option to disable £0 card verifications and another setting to disable verification for >£1 transactions would be much appreciated.

(Jamie 🏳️‍🌈) #6

A notification to say my mortgage has been paid is a good feature, for me :upside_down_face:


Yup, feels good when that payment is made!

(Richard Bairwell) #8

True, it feels good - but getting mortgage, council tax, electric bill, gas bill, water bill, life insurance, pet insurance x2, tv licence, dentist cover x2 every month are 11 notifications I can ignore instead of going “Who is spending on my card?” (especially since most of the routine ones come out the same day or two - that’s a lot of bleeps!)


I used Chrome autofill functionality for the first time yesterday and immediately got a £1 charge before completing all the other details on the form at Scan Computers and it was refunded after a few minutes, so probably an active card check from Google… unlike the £1.58 I’m still waiting to be returned from last month’s iTunes check!

On the plus side, the full transaction value came out a few minutes after the card check and the goods are here today :sunglasses: