Improve 'PIN Needed' handling - ask for a PIN rather than saying 'NOT AUTHORISED'

[RichardL (Rich)]

According to this it’s definitely down to the merchant:

@erincandescent

The expected behaviour of terminals - and what has been my (fortunate, I guess) experience is:

• You tap your card
• “Authorizing” happens as normal
• We respond saying “User is over their limit, please perform strong authentication”
• The terminal prompts something along the lines of “Please insert your card PIN required”
• You insert your card, enter your PIN, and it authorizes as normal

All of this purely at the terminal/pin-pad - no interaction with the POS system should be required at all

Unfortunately a number of terminals or POS systems appear to be misconfigured and treat the “Please perform strong authentication” response as a hard decline. Even more unfortunately a small number of them seem to get “stuck” until you abort the transaction and retry

When it does work properly (as has been my experience at e.g. Tesco’s card only self service terminals) the experience is pretty fluid (except that a bunch of places have programmed their terminals with somewhat jargony phrases like “Please insert card SCA REQUIRED”)