Using Monzo everywhere: improving merchant acceptance


(Edward) #327

London. One of the affected merchants only sells umbrellas, so maybe Stripe were confused that the level of potential fraud was too low!


#328

There is no such thing as “too low” of a fraud risk. Even services that sell “useless” items or non-tangible goods (Patreon, donations, etc) are used by fraudsters to check whether a compromised card number is valid (they don’t care about the goods, just the outcome of the transactions) before going on a proper shopping spree with that card number.


(Edward) #329

I was simply making a joke about the city of London also containing The City of London, where fraud would typically be perpetrated on a much larger scale.


(Sacha) #330

That’s weird. I bought travel insurance from them using Monzo last weekend without issue.


(Gareth) #331

I’ve had the same issue but this was before 3D Secure was a thing. I used a legacy bank card and it used 3D secure so I assumed this was why at the time


(Tony Hoyle) #332

That’s bizarre… stripe are a monzo backer.

Never had any problem with things like patreon myself but it may well be regional as well.


(Tom) #333

Hello,

Car Giant (large 2nd hand car dealership for both platforms) doesn’t accept a Monzo bank account when searching for finance on their system, it will say invalid sort code.


#334

Was this through the Car Giant website?

Fire an email over to acceptance@monzo.com and they should be able to ask them to update their sort codes.


(Tom) #335

No, it was in store, I’ll fire off an email now.


(Peter Shillito) #336

Time to bump this topic!

As a follow up to this post Norwegian are still having issues accepting Monzo cards on-board. I had the exact same experiance on Friday evening (8th February 2019) where swiping the card didn’t work and they don’t do contactless or chip+pin, but typing the number in manually did work. Before attempting to swipe, they started to say they didn’t accept Monzo, but I insisted that they did and it’s a normal debit Mastercard.

I’ll email acceptance@monzo.com and see if there’s anything they can do.


(Jolin) #337

Am I reading this correctly, that they don’t support chip+PIN on any bank cards? Or is this just with Monzo? It certainly sounds like the issue is outdated systems on Norwegian’s behalf, not a problem with Monzo. If they really only support mag stripe, you can get everything for free by raising a chargeback complaint – merchants that don’t support chip+PIN are responsible for fraud. :joy:


(Peter Shillito) #338

As far as I can tell, yes. No chip+pin and no contactless. Swipe only.


(Jolin) #339

:exploding_head:


#340

Was it a European flight or a long haul one? I’ve used Monzo on the self service screen thing on their transatlantic flights (swipe only) without problems.


(Peter Shillito) #341

European (for now). Manchester to Stockholm Arlanda