Ever wonder if it was your presentation more than your point?
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I would hope that based on their own advice regarding tone and official guidelines, they only consider the content of posts and thus that would not be the case.
I would also hope they don’t prioritise concerns made by sycophants.
Either way, regardless of how I may have phrased things, I stand by my point. Hopefully if it pleases you someone else will make it again in a better way than I have been able to.
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I was thinking this in my head…
You know when you’ve been SCA’d.
um, I do have money honest 
it worked a min ago 
try this instead 
Seller
its another one of those Monza cards getting declined. Their pink cards must be dodgy these declines don’t happen this frequently with any other card, or their customers must be cheapskates. Either way I’ll put up a lil sign to say we don’t take them so we don’t keep holding up the line.
I actually remember a school assembly we had to tell kids not to do this to each other.
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Does SCA apply to credit cards too? I don’t recall being SCAed with my Amex ever.
It does, however I’ve been on Amex chat and they hadn’t heard of SCA and kept repeating £30 limit to do with single tap until I explained what it was in detail and the chat person found this link eventually and said is this it? to me.
Contactless Card: You may see more Chip and PIN
Most of the time you will be able to use your contactless Card as usual. However, you may sometimes be asked to enter your PIN. On these occasions, the terminal will ask you to place your Card into the card reader and enter your PIN.
and the other bit
You’ll see more verification requests.
When you log into your online American Express Account you will need your username and password as usual. We may also send you an extra verification request by text or email.
No plans at the moment to actually implement anything, no limit decided upon, just an acknowledgement on their website that the rules exist.
I have a feeling most will miss the 14 March 2020 extended deadline too and be aiming for the 14 March 2021 deadline now.
Maybe she just didn’t have enough money in her account.
How does this affect contactless only cards such as those on key-rings or stickers?
Not that Monzo offers these. Just curious.
I’m curious about something.
If a customer received their debit card and didn’t physically ever use it and only used digital transactions and Google/Apple Pay. Would they experience any disruptions to this?
Could a customer viably never use the physical card and not encounter any SCA verification issues?
This is getting really irritating now, I’ve had 4-5 occasions in the last month where I’ve tried to pay for something with contactless and it hasn’t worked. Yes I get the notification to say I need to use chip and pin next time, but I’m so used to paying contactless that I’ve forgotten by the next time I go to pay, and I never remember whether it’s my joint account card or personal account card that I need to use chip and pin.
It’s embarassing when it gets rejected, but even worse on a few occasions since this came in I’ve tapped my card and then walked away, only to find out later that the payment hadn’t gone through. On one of these occasions the server even said it had all gone through ok, so I walked off, only to get the notification that the payment had failed as I needed to pay with chip and pin.
I can’t be the only one this happens to and I worry that if this continues then merchants will start rejecting Monzo cards as they lose money. There must be a better way of implementing this surely - it would help at least if the card machine told the server that chip and pin was required, rather than rejecting it outright with no reason given.
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I find that strange as I’ve seen several people in queues in front of me who have had their transactions declined and the cashier told them to try chip and pin as that was probably the reason
It would for sure, but that isn’t anything Monzo can do anything about. Also remember this is the law, it is not a Monzo thing. Personally I never move away from a terminal until it says approved (always have, not just since SCA). If a server says it went through though, that is their problem, not yours.
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Since other banks have either ignored SCA (legacy banks) or found clever ways to minimise the impact (revolut), in the eyes of a regular customer/shopkeeper it is a Monzo problem.
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Sure if you don’t use your debit card for contactless you’ll never experience a decline.
Although I’m passionate about this topic I don’t use my card for contactless, always Google Pay so the limit left is still at £100 for me.
For ATMs you need to chip+pin but if Monzo did app ATM withdrawals and partnered with NatWest then I would never physically use it.
If that was the case I could just have the CVC for online and not be sent a new card.
Tap your card and wait, I always do (and indeed, did even before SCA came in).
That shouldn’t be the case, SCA isn’t a Monzo thing, after all. I’ve had to ask a few people to use chip-and-pin instead of contactless so far, and none of them have used Monzo cards.
Where a contactless payment fails and the person taking the payment has let the customer walk off already, the business will probably (a) eat the loss, (b) discipline the server (especially if they’ve said “It’s OK!”), (c) reinforce staff training.
Granted, it’s a little more complicated where self-service machines are involved.
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Starling have recently blocked my use of Apple Pay and are refusing to provide a reason so I’m understandably curious why. Was wondering if that could be a reason.
Whilst I understand the inconvenience here and obviously there are much better ways going about implementing this. If the t’s and c’s weren’t held as gospel. But that’s the challenge with abiding by legislation, your dammed if you do and dammed if you don’t.
Surely the solution is already here…virtual wallets? Whether that be Apple or Google Pay.
I’m trying to remember the last time I used a physical card of any sort. Contactless via plastic, I see as the short term solution.
Physical = Insecure, Artificial Limits imposed and additional item to carry.
Virtual = Secure (via biometrics), No artificial limits (minus select standout supermarkets cough Asda, cough Tesco) and a device that is always on you.
I’ve never understood the fondness to stick with the plastic card. As soon as I can combine something AND make it digital, I’m all in.
Do people still carry their iPhone’s or Samsung’s alongside their handheld portable camera, or alongside their portable calculator?
Whilst I am hugely grateful for the wide expansion contactless cards, provided to the U.K. (when compared to not rolling them out in the US market). Their days are well and truly over.
Really SCA, is initial steps to the demise of contactless cards in hopefully the not so distant future.
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A card never runs out of battery, which is a killer feature!
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True, although for me it has been years since I ended up in a situation where my phone battery has died, so the chances of this happening in day to day use for me are slim to none 
.
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