Monzo incorrectly flagging offline transactions as online transactions?


(Allie) #1

So, obviously, the overwhelming majority of transactions these days are online. I’ve never noticed Monzo making note of this fact.

Oddly, today I just got a notification for an offline transaction I made yesterday (easyJet). It was also the first time I’ve ever noticed Monzo list a transaction as an online transaction…


(Andrew Schofield) #2

I think this field is actually stating whether the transaction was an “internet” transaction or not (probably based on cardholder not present), rather than the auth/present type of online vs offline.
Obviously in either case here it is technically wrong as you were present, but I don’t know how offline transactions are reported back.


(Jolin) #3

This is exactly it, as this is how all internet purchases show up. Notice, as well, there is no address/location information. I don’t think Monzo generally expose unnecessary details of the payment network procedures as for most people they would be meaningless or confusing.


(Allie) #4

Thanks. It makes sense. Looking back, this is how Internet purchases show up so that was right. It was just really confusing seeing something flagged at online that was clearly offline!


#5

Our online / offline usually refers to the terminal not the purchase :thinking:

ie TfL is offline as the terminals are offline.


(Allie) #6

TfL is not offline…it’s online deferred. Which I don’t believe easyJet was because I think there was an auth code on the receipt.


(Andre Borie) #7

I still wish they’d display all the info they have, or at least made it available via the API. Ideally the raw traffic they get from MasterCard associated with that particular transaction. Completely useless but as a curious developer I’d love to see it.


(Allie) #8

Same here! People like to call it confusing, but maybe I’m weird, calling what I believe was an offline transaction (technically it might have been deferred online, but I think the receipt had an auth code) online is far more confusing :slight_smile:


(Andre Borie) #9

They should just call it card present/card non present. Card presence and offline/offline are totally different (and not mutually exclusive) things.


(Allie) #10

Semi mutually exclusive. Card not present can never be offline authorised :slight_smile: card present can be online or offline.


#11

you probably know more than me :speak_no_evil: still learning.


(Jolin) #12

That would seem like a good way to make it available without cluttering up the Monzo app. Maybe only provided as an optional flag to avoid unnecessary data transfer.


(Alex Sherwood) #13

Ok but as far as the user’s concerned, it’s basically the same behaviour as offline - delayed auth (sometimes an active card check but :man_shrugging:) & only picked up when it settles.


(Allie) #14

What happens is when you first use a card on TfL they run a small online authorisation (a few pence). They also use offline data authentication (not offline authorisation) to prove the card isn’t cloned every tap. Almost every day they do online authorisations for your total after capping, etc (I think not weekends?)


(Jolin) #15

Yeah, I totally get why they do that. Computer networks deserve the weekend off too. Everyone else treats them like slaves, at least TfL cares.


(Allie) #16

LOL!!! :smiley:


(Allie) #17

Would it be really pedantic to point out the difference is that with offline authorisation, the authorisation isn’t delayed, but granted by the card instantly?


(Alex Sherwood) #18

Yes it would :wink: Monzo users don’t see that authorisation :slight_smile: so