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Forums Payment cards Other payment cards Curve card keeps declining/getting blocked

  • Skywalker 770 posts

    @BBbetter I don’t use the phone wallets with Curve – just the card itself

    dshunter 65 posts

    Curve working with Argos again.

    NorthernLass 8,549 posts

    Jumping on this.

    Dear Deirdre,

    I’m very attached to my hairdresser but she only accepts debit cards. So far Curve has facilitated our long-term relationship but recently she got a new card machine and it seems to have an issue with Curve. I am feeling dejected, and Curve rejected, as it’s a lot of money to not be earning any points and/or vouchers.
    Is there a tweak which can be made to these machines to encourage them to like Curve, or do I need to look for a new hairdresser?!

    dshunter 65 posts

    From what I understand curve charges a slightly higher fee than other debit cards which might explain this – maybe they have blocked certain types of card

    NorthernLass 8,549 posts

    That would make sense! She has zero tolerance of any kind of extra charges and only reluctantly started accepting debit cards about 10 years ago!

    AndrewT 184 posts

    1. Cash via Curve/Barclaycard, if you aren’t already using that route for something else.

    2. Encourage her to use PayPal.

    3. Spend less on hairdressing to reduce the points loss while simultaneously saving money.

    BBbetter 820 posts

    Tried using apple pay instead of using the card physically?

    NorthernLass 8,549 posts

    Doesn’t PayPal levy fees for business transactions?

    I don’t currently use Apple Pay but would the retailer at the other end not need some way of accepting it?

    Nobody uses cash any more above £10, it would look dodgy. (Not many people get the points thing around these parts, also).


    @AndrewT
    , just no! I’m sure most of the ladies and plenty of the men/non-binary readers would react with similar horror 😂

    BBbetter 820 posts

    How does she accept debit cards? In the terminal, does it say contactless anywhere? Or displays the contactless logo? Apple Pay or google pay should work then.

    The common theme amongst all these threads is user claiming they don’t use Apple Pay (or google pay). It might sound counterintuitive, but you actually are less vulnerable when using these encrypted mobile payments.

    NorthernLass 8,549 posts

    It does accept contactless but my bill is often over £100. Is it worth me setting up Apple Pay or would it still require chip & pin?

    BBbetter 820 posts

    By default there is no limit for Apple Pay as it uses biometrics for verification. The payment is actually captured in a category different from ‘contactless’.
    But in some rare instances merchants set a limit.

    NorthernLass 8,549 posts

    It may be time for me to adopt this payment method 🍏 🤣

    Harrier25 913 posts

    Welcome to the 2020’s @NorthernLass

    NorthernLass 8,549 posts

    Indeed 😂

    JDB 4,898 posts

    @NorthernLass – over £100 sometimes, blimey! I’m now imagining some exotic high maintenance hairdo like a beehive that requires considerable coiffing!

    NorthernLass 8,549 posts

    Lol, not quite! I imagine this is quite modest compared with the equivalent procedures in places like London and Cheshire. It’s not just airfares and hotel rates which have increased since the pandemic, a full head of highlights is a serious investment these days 😂

    NorthernLass 8,549 posts

    Ok, so there might be more going on here. I’ve had Curve declined twice more now, once online and in a restaurant last night. All the attempted transactions have this message:

    “The bank of your payment card has blocked the transaction.”

    These were all backed with Virgin so could this be a further move by them following the imposing of fees on cash withdrawals?

    Harrier25 913 posts

    Does your Curve work with other cards?

    Skywalker 770 posts

    Ok, so there might be more going on here. I’ve had Curve declined twice more now, once online and in a restaurant last night. All the attempted transactions have this message:

    “The bank of your payment card has blocked the transaction.”

    These were all backed with Virgin so could this be a further move by them following the imposing of fees on cash withdrawals?

    Can Virgin see the transactions?

    Capital on Tap told me that Curve was not even requesting the funds from them, so they had no visibility of the transactions at all.

    NorthernLass 8,549 posts

    No idea. Not showing declined in the VM app. Next time I use the card I’ll change it to Barclaycard and see if it makes a difference.

    JDB 4,898 posts

    @Skywalker – there’s nothing particularly odd in the underlying card provider not being able to see transactions if they are being blocked at an earlier stage of the process before credit authorisation.

    Skywalker 770 posts

    @JDB Thanks – I am not fully aware of the cogs of card payment processing.

    The only thing I know at this stage is Capital on Tap told me that they are not blocking Curve transactions at all, despite the Curve messaging to contact the card issuer.

    This can also be evidenced (albeit with a sample size of one) by way of two transactions going through mid-decline issues.

    I’ve decided to dump Curve, at this point I’m just intrigued how this is all going to pan out and what excuse they’re going to come up with.

    JDB 4,898 posts

    @Skywalker – one additional thing with CoT is that as a business card, they are trying to comply with the VISA guidelines to restrict the card to business use not only to protect merchants from higher fees but also to protect the cardholder who won’t have s75 on any transaction. This may sometimes have the effect of blocking hybrid type transactions which can be inconvenient and such transactions get blocked well before they would show on your account as a declined transaction.

    With Curve there’s also the potential problem if someone is trying to use a personal/commercial Curve with an underlying card of the opposite variety.

    There are a certain number of reports of the blocked transaction problems you report for Curve and Barclaycard but they are quite specific to certain transactions/cardholders – there isn’t a generalised problem.

    YC 238 posts

    My curve (Barclaycard) was giving me the same rejection a few days ago. Havnt retried since

    Skywalker 770 posts

    @Skywalker – one additional thing with CoT is that as a business card, they are trying to comply with the VISA guidelines to restrict the card to business use not only to protect merchants from higher fees but also to protect the cardholder who won’t have s75 on any transaction. This may sometimes have the effect of blocking hybrid type transactions which can be inconvenient and such transactions get blocked well before they would show on your account as a declined transaction.

    With Curve there’s also the potential problem if someone is trying to use a personal/commercial Curve with an underlying card of the opposite variety.

    There are a certain number of reports of the blocked transaction problems you report for Curve and Barclaycard but they are quite specific to certain transactions/cardholders – there isn’t a generalised problem.

    My Curve card is a commercial card, so there are no mixed payment type issues.

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