On Jun 19, 11:27*am, eastender wrote:
I've just had an email saying my pay as you go Oyster auto top-up failed
(on W15 bus) on Friday because it couldn't charge my credit card. But
I've just logged in and resettled using the same credit card. What
gives? It's worked fine for six or so auto top-ups before and the card
doesn't expire until next year.

The only thing I can think of is that on Friday I made a lot of atypical
journeys in the east end - could it be some anti-fraud algorithm?

Dunno - I haven't got auto top-up activated at the moment but when I
did I never had a failed payment - can't recall any friends saying
they've had this happen either, so I dare say it's just a glitch of
some sort.

I don't imagine that your atypical east end journeys would have
triggered any sort of anti-fraud algorithm - the charging to your
nominated debit/credit card is done centrally at 'Oyster HQ', and I
don't think there's any information about what journeys you've
actually made that is passed to your card provider (bank or credit
card company) - if they do have an anti-fraud algorithm then it should
simply recognise that you've made Oyster auto top-up payments in the
past and so they're not suspicious (esp. given that you live and spend
in London etc), but maybe it threw a wobbly, or something else went
wrong with the payment authorisation.