One of the other issues we see fairly often are offline transactions (which are mentioned as “When a merchant doesn’t send an authorisation request” in the blog post) being declined.
I know that this issue will go away when the debit cards launch but it might be useful if you could confirm that if a user’s transaction is declined (when they try to pay at a parking meter, for example) & they don’t see an error message in the app, that’s usually (though not always) the reason - is that correct?