# Mobile app based banks and re occurring payments

**URL:** <https://community.monzo.com/t/mobile-app-based-banks-and-re-occurring-payments/113576>\
**Category:** Monzo Chat\
**Created:** [16 February 2021 09:30 UTC](https://community.monzo.com/t/mobile-app-based-banks-and-re-occurring-payments/113576 "2021-02-16T09:30:18Z")\
**Posts on this page:** 1\
**Showing post:** 4

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**Author:** ![kolok](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/kolok/32/46634_2.png) [@kolok](https://community.monzo.com/u/kolok)\
**Post date:** [16 February 2021 12:27 UTC](https://community.monzo.com/t/mobile-app-based-banks-and-re-occurring-payments/113576/4 "2021-02-16T12:27:52Z")

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Here’s a bit of an explanation of what might be happening.

> [@Tesco charged me twice](https://community.monzo.com/t/tesco-charged-me-twice/102265/29):
>
> Without getting into many technical details, mastercard card payments are a two step process: when you pay with your card (the authorization), and when the merchant collects the money (clearing and settlement). We receive messages from Mastercard for both of these and we need to match them up to say “yep, this clearing message is collecting the money for this authorization”. In some cases we are unable to match them due to data quality issues. In a perfect world, this wouldn’t happen, but in t…

But ultimately it’s an issue on the merchant side , where somebody isn’t following the MasterCard rules to the letter, that could be the acquirer, their bank or potentially the payment system developers.

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_[View the full topic](https://community.monzo.com/t/mobile-app-based-banks-and-re-occurring-payments/113576)._