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It’s the bank declining. Banks have a lot of heuristics to check for stolen cards. This could easily have been flagged up as unusual. But even if it wasn’t that
by hnlmorg 4y ago
It’s the bank declining. Banks have a lot of heuristics to check for stolen cards. This could easily have been flagged up as unusual. But even if it wasn’t that, a lot of banks will have a daily total limit for contactless payments without the card PIN number being entered. Such limits are reset the following day or when the card is used in a chip and pin reader (whichever happens first).
It’s very common for people in the U.K. to use a debit card for all transactions because the banking system is so robust (thus we don’t need to rely on getting a credit card statement and then marking off legitimate spend, as seems to be the norm in the US).
So while the declined transaction might seem archaic on the surface, it’s actually part of a greater whole.
- 8n4vidtmkvmk 4y agocredit card purchases are viewable online instantly in the US. i get an SMS and email every time i or my wife charges the card. and it's on autopay. and i get 2% cash back. win win.
- deergomoo 4y ago> But even if it wasn’t that, a lot of banks will have a daily total limit for contactless payments without the card PIN number being entered Interestingly there seems to be no consistent way in how device payments are treated. For example, some card readers apply the £100 contactless limit for Apple/Google Pay while many are unlimited. I always assumed that the verification required for device payments made them “as good as” Chip and PIN—for example I never have to do additional verification for purchases using Apple Pay on the web, regardless of the amount.