Not supported on payment gateway UPG?

Just had a very annoying call with autoaid - the moneysavingexpert recommended car breakdown company ( I tried paying online using my monzo card and I got a card declined error and “please ring us if this continues” line. They had a logo on the payment page from a payment processor called UPG.

Anyway I ring and a girl says they don’t accept monzo cards (at first she tries to tell me it’s a US based card - she wasn’t having it) Very frustrating.

One thing i did notice was the payment page asked for a start date on my card. What should I enter if it asks for this?

Monzo should be able to get in touch with the merchant and gently poke them to sort their stuff out. If they don’t see this it’s worth telling someone through the in app chat or through

A lot of cards do not have start dates as far as I know and the start date field is optional. You should be able to leave it blank.


Alternatively if you can’t leave it blank this is information we can see on our end :+1:

Just to be clear - you cant leave it blank on their site. They have a dropdown for a startdate with no blank lines. :frowning:

I’ve submitted the item - and it’s coming back with a declined error. I’m hoping as the @BethS suggests this notifies monzo about the dodgy processor :slight_smile:

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+1 to this issue also - :unamused:

There’s two issues; as @willwade posted, the payment gateway (despite not indicating it) has the [Issue Date:] incorrectly marked as a required feed. Setting this to 07 2018 (Joint Account) lets you proceed.
The second issue is clearly with the merchant themselves as the transaction just errors out with a blank ‘reason’ and no alerts/feed notifications in Monzo to show any attempt at processing etc.


Have sent a copy onto the Monzo acceptance team.:crossed_fingers:


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I would not be surprised if they required 3D Secure and it’s being declined because of this (think worldpay has the same issue)

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Hmm yes, that could also be a possibility too.

Have messaged the site directly to give their merchant a little poke and see if they can resolve internally…after all that’s what the ‘merchant processing fees’ are supposed to support right! :roll_eyes:

…wanders off mumbling something about exorbitant transaction fees, the price of milk and why mars bars are now so small…


:thinking: There must be a technical term for that point in life when you encounter an issue, do a quick Google search and end up reading your own post from 12mths previous…! (could it be a ‘homerism’ :man_facepalming: ?)

:flushed: …just as an update, nearly a year later and this still doesn’t work (also tried with my Starling business card to see if it was just a Monzo thing).

Whilst I think about it, what’s the term for when a breakdown website, y’know sort of breaks down…? :exploding_head:

…off for a lie down.

AutoAid still not accepting Monzo payments! I was told very confidently by their customer service team it was because you were a bank based abroad in ‘somewhere like Gibraltar’. I tried to put her straight and gave up and paid with a Nationwide card

And still not accepting Monzo payments, along with (according to the pretty rude customer service agent), Amazon, Santander and Tandem. I asked for a reason and was just told it was company policy. Don’t know why this company is recommended by Money Saving Expert; it’s been a pretty terrible experience so far and I haven’t even signed up.