Hi Everyone ,
As I’m sure most of you are already aware we implemented new rules around contactless purchases almost a month ago now! You can find our previous post here if you missed it Since then we have been working hard to improve the experience and make sure you never get left unable to complete a transaction.
One of the key things we’ve identified is that some merchants in the EEA don’t yet support PIN entry, which means that you may be left unable to finish your transaction at the terminal
This tends to happen in one of two instances:
- You hit your contactless limit when using a terminal that doesn’t have PIN entry capability, such as a vending machine
- The merchant processes your transaction in such a way that requires us to perform Strong Customer Authentication (SCA) but they can’t accept your PIN
There will be two noticeable changes to the app!
The first change is relatively minor. We’ve updated the contextual help article that is displayed when you get a decline for a related reason!
It should look a little something like this in your app:
The more significant change is the introduction of the new authentication flow. This flow will allow you authenticate yourself when you don’t have the option to use chip and PIN
You can find the flow by tapping on the decline widget for the transaction that just failed. You will then be given some contextual information before being asked to enter your PIN:
Once you have completed the flow you’ll have 15 minutes to make the same transaction. If the amount and or merchant are not exactly the same as before then your second attempt will still decline so watch out!
This is different from contactless declines outlined in the other post!
- There is no allowance. With contactless you have a £100 allowance before you will get declined. With the non-contactless declines, there is no such allowance and so a payment of this type will always get declined
- Different message at the terminal. With contactless you’ll usually see “insert card” at the terminals. With other types of declines, you’re more likely to see “not authorised” or “transaction not allowed to cardholder/issuer”.
What are we looking for feedback on?
As I mentioned previously, we’ve been working really hard to fine tune our new payment experience and keep it as smooth as possible.
We’re still in the process of making improvements to this new fallback flow so it would be super helpful if we could have your feedback on the following things:
- Does the flow make the process completely clear? If not, what were you unsure about?
- Are you ever incorrectly prompted to go through the flow?
- If you end up abandoning the transaction or using another card, what made you do this?
Let us know what you think below!