Hey all,
Does Monzo.me work?
Tried doing a few test payments and it says gone
Through but screen seems to be stuck if that makes sense
Hey Scott, are you trying to pay using Apple pay? I think thatās known to be flakey
Hey @Peter_R I am indeed, use Apple Pay for most things lol 
, oh I see if thatās the case Iāll try again with normal card payment in that case thanks 
Little update did it via the card and not Apple Pay and worked with no issues, strange how Apple Pay messes up hmmm 
Yeah itās not very good when you use Apple Pay - youāll be better using Apple Pay Cash were that becomes available.
Hey @Sczoo26 
When you get the 
on the Apple Pay sheet, that can be quite confusing! Most people assume it means the payment has been taken, but it actually just means that the request has been sent from Apple Pay to your bank for approval, so itās entirely possible that everything will look like it has gone through just fine via Apple Pay, but your bank are actually declining it on their end.
Most of the time if you speak to your bank theyāll be able to unblock this for you, so Iād definitely suggest speaking to them if this happens again in future.
Glad you got this payment sorted in the end! 
Who wants to have to call a bank and ask them to unblock a payment, it defeats the purpose of monzo.me over giving your account number and sort code.
Thatās true - no one wants to have to call their bank. But sadly we donāt have any control over other banks and the payments they choose to block 
Surely as this is a common issue you should be talking to them bank-to-bank to sort out what must surely be a misunderstanding? I meanā¦ If theyāre happy to authorise payments for you with card details then why not Apple Pay?
Why canāt the page ping back the Monzo backend for the payment status and then display that after the Apple Pay modal has been dismissed? Instead of just hoping everything is okay.
@Peter_R The issue here is that we canāt really convince another bank to change the rules they use to determine whether or not to block a payment, and they might be unable or unwilling to change this for a particular merchant.
Itās worth noting that in the context of a top up or Monzo.me payment made via Apple Pay, although weāre a bank, this payment is treated the same as any other payment made using Apple Pay and is subject to the same rules used by the sending bank to approve or decline a payment.
@anon23935806 I appreciate where youāre coming from - we could probably be clearer in these circumstances and explain whatās happened. There may be limits to the information we can provide in these cases but Iāll check back in when Iāve had a better look into this.
The reality of the situation is pretty unfortunate 
. Do you know if itās a large percentage of Apple pay top ups that fail?
I ask because the three people who have tried to pay me with it from different cards each have all had it fail this way and it scared then away from the idea of Monzo which I was trying to sell them on! I.e. this issue has lost you three potential customers who now think Monzoās dodgy
If the support is as bad as I suspect through Apple pay then Iād strongly suggest removing support for it, drastically improving the user experience or at least put a big warning on screen when someone tries to use it
Itās not a particularly widespread issue as far as top ups are concerned. Generally speaking youād only ever see this using Monzo.me - top ups within the app donāt seem to be affected.
Whilst the tick within the Apple Pay sheet isnāt always a completely reliable indicator of whether or not a bank has approved a payment, the vast majority of the time it matches the approval status of the bank.
Weāre looking at this to see if we can dig a bit deeper and find out exactly why this happens, so Iām hopeful weāll be able to make this experience much better.
Best of luck!
Looks like this Monzo.me issue has been figured out! Weāll be deploying a fix soon 
(cc @Sczoo26 @anon23935806)
Update; fix in place. This is what youāll see now if you try paying someone via Monzo.me using Apple Pay and your bank declines the payment. (In this case because you donāt have enough money.)
Thatās great!
Great thanks Monzo