Let’s assume we are on an aircraft (with no wifi) and want to make offline payments, duty free tat or whatever.
What is the offline transaction limit?
How does it tie-in with the £100 contactless limit, does it count towards it as even though a PIN may have been entered, it was still offline (and sometimes it takes hours/days for the transactions to post)?
Not 100% clear about the limits, but I’ve used contactless, chip & pin and magstripe (activated prior to boarding, just-in-case) on planes without issue - probably a maximum single transaction of £45 in my case.
Makes sense otherwise people would be able to run up large unauthorised overdrafts offline
(Sorry, I will have to escalate this.)
Yeah I’m impressed, I was expecting mid January after having it ignored for a week then being raised to Advocacy team by Monzo, then ignored for another week in answering.
Anyway Monzo to my knowledge is the only bank to have restricted their offline to just £30 in the chip which is why they are the only ones to do the £100/£30 because they can whilst other banks have no way of controlling offline and doesn’t help if the built in ticker is £10000 or such.
The £100 is £30 lower that what we’re allowed to auth without SCA.
So if you consumed the entire £100 limit plus the extra £30 offline limit you would just be touching the max amount that can be authed via contactless without SCA.
Most airlines just ignore what the card says, and send us presentments later (i.e. they just take the money later, when we can’t prevent it).
In these cases Mastercard rules require us to make a best effort attempt to recover the money, but ultimately we can claim back any money we loose via a chargeback.
The airlines have decided to take on the risk of getting a chargeback, presumably because it allows them to sell more stuff. Also older banks don’t seem to bother with chargeback, we do, and this has caused some strife with airlines like EasyJet.
If you were to contest such a payment because SCA wasn’t applied, I’m not 100% sure what would happen. PSD2 gives us the legal right to reclaim the money from the airline, because they didn’t allow us to apply SCA properly (you might enter your PIN, but the card would refuse to authorise which would mean that technically SCA wasn’t completed). However we also have no obligation to refund you if we believe you were acting fraudulently i.e. getting a refund for something you actually bought on the plane.
Can you make only a single transaction of £30 offline using contactless before authentication is required, or can you make an arbitrary number (even 3000 separate offline contactless transactions of 1p) before authentication is required?
They then break the Mastercard rules by summarily banning entire organisations’ debit cards rather than carry out due diligence themselves. And then get sniffy when the organisation throws the rules back at them. Interesting.