When I was using contactless card payments for every purchase possible, I would receive a warning message within the app that my next transaction would require chip & pin authentication to confirm that I am still in possession of the card.
To my knowledge, given that all banks seem to do this (albeit most without any warning), this is a regulation imposed upon the banks and not something they can control - which is fine.
However, what I’ve noticed now that I’ve switched to Apple Pay is that these same warnings are not appearing when my next transaction will require chip & pin. What’s worse is that there is no feedback whatsoever for Monzo blocking the payment through Apple Pay; The card reader, my Apple Pay device and the Monzo app simply act as though there’s just no scanning taking place - whereas contactless card payments provide decline feedback both on the card reader and within the Monzo app.
Picture this: it’s a chilly Wednesday evening and the local chippy van is in the village. You brave the cold for a bag of the crispy, greasy golden stuff, your stomach rumbling with every step as you briskly pass the Tudor houses and long-abandoned pub. You approach the van and order a hearty portion of donner kebab with cheesy chips - hold the curry sauce (it’s just not right with cheesy chips). You go to pay with your iPhone and tragedy strikes - it won’t scan. You wiggle and shimmy your iPhone up and down the reader to no avail. The cashier gives you a disapproving look as they withdraw their newspaper-clad offering. You hang your head in shame for the long walk home. Tonight, for dinner you will have only sleep.
A total dramatisation, for luckily I only lived round the corner and could return with my Monzo card, where upon attempting to use contactless, I received a card decline message on the reader and within the Monzo app. I instead used chip & pin and was on my way.
As a man who can’t bring himself to get a manbag, carrying fewer things in my pockets has great appeal. To be able to combine the front door key, the car keys and the debit card into the Wallet app on my iPhone is a dream worth striving for. However, if Monzo cannot provide any feedback for when my next Apple Pay transaction will be rejected, as they already do with contactless card payments, then that dream is effectively dead as I will always have to carry my Monzo card with me for fear of being caught short.
Addressing this issue would be greatly appreciated and would bring huge quality of life to my customer experience with the platform.