Oyster product pickup improvements
 

In message , at 12:04:02 on Fri, 3 Mar 2017,
tim... remarked:

No, you might get an unauthorised overdraft on your credit card, and
quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".
--
Roland Perry

Oyster product pickup improvements
 

"Roland Perry" wrote in message
...
In message , at 12:04:02 on Fri, 3 Mar 2017,
tim... remarked:

No, you might get an unauthorised overdraft on your credit card, and
quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at your
risk because the customer is overdrawn".

and what on earth does that mean?

Oyster product pickup improvements
 

In message , at 13:16:27 on Fri, 3 Mar 2017,
tim... remarked:

No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.
--
Roland Perry

Oyster product pickup improvements
 

On Friday, 3 March 2017 14:07:05 UTC, Roland Perry wrote:
In message , at 13:16:27 on Fri, 3 Mar 2017,
tim... remarked:

No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.
--
Roland Perry

Any transaction is either authorised, or declined. The only case where the transaction is at the retailer's risk is if the retailer has overridden the prompt for an authorisation (a common example is using Visa Electron on-board trains and planes, where the card must always be authorised, and historically there has been no way to do so).

Oyster product pickup improvements
 

"Roland Perry" wrote in message
...
In message , at 13:16:27 on Fri, 3 Mar 2017,
tim... remarked:

No, you might get an unauthorised overdraft on your credit card, and
quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk, or
refused completely.

yeah

but what does At retailer's risk mean

tim


--
Roland Perry

Oyster product pickup improvements
 

On 02/03/2017 08:29, tim... wrote:


"Arthur Figgis" wrote in message
o.uk...
On 01/03/2017 18:53, tim... wrote:


"Arthur Figgis" wrote in message

The passenger will presumably notice if they can use different types
of fare capping to at present, or new discount schemes/ticket products
are brought in using the extra capabilities which will be available.

especially if he has to over-feed a card to pay for a load of individual
journeys, only to have the excess refunded when the back office cap is
applied

Wouldn't they just need the money there ready for when the single,
capped, payment is required overnight?

and then if it isn't thus available, how do they "beep" at the gate to
stop you entering, for a journey that you have already completed?

Presumably they don't - but they could blacklist the card and not let
you in next time. How does it do with contactless bank cards at the
moment if the bank account is empty when it is billed?

Presumably the overall advantages of the new improved shinier system
outweigh this kind of issue anyway.


--
Arthur Figgis Surrey, UK

Oyster product pickup improvements
 

In message , at
08:27:21 on Fri, 3 Mar 2017, Matthew Dickinson
remarked:
No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.

Any transaction is either authorised, or declined. The only case where
the transaction is at the retailer's risk is if the retailer has
overridden the prompt for an authorisation (a common example is using
Visa Electron on-board trains and planes, where the card must always be
authorised, and historically there has been no way to do so).

That's the situation when the authorisation process simply isn't
available. There's another scenario where (eg) in mail order the
authorisation system says "sorry, wrong delivery address" and the
retailer decides to ship it anyway. Or that's what I've always
understood.
--
Roland Perry

Oyster product pickup improvements
 

In message , at 17:53:07 on Fri, 3 Mar 2017,
tim... remarked:

A transaction can be accepted in full, accepted at the retailer's
risk, or refused completely.

yeah

but what does At retailer's risk mean

It means that if the funds don't eventually flow from buyer to card
company, neither will they flow from card company to seller.

If you are selling something intangible like tube fares, it may well be
better to take the risk that the cardholder will put money into the
empty or maxed-out card account, rather than **** them off by refusing
to allow them to travel.
--
Roland Perry

Oyster product pickup improvements
 

On Saturday, 4 March 2017 10:24:50 UTC, Roland Perry wrote:
In message , at
08:27:21 on Fri, 3 Mar 2017, Matthew Dickinson
remarked:
No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.

Any transaction is either authorised, or declined. The only case where
the transaction is at the retailer's risk is if the retailer has
overridden the prompt for an authorisation (a common example is using
Visa Electron on-board trains and planes, where the card must always be
authorised, and historically there has been no way to do so).

That's the situation when the authorisation process simply isn't
available. There's another scenario where (eg) in mail order the
authorisation system says "sorry, wrong delivery address" and the
retailer decides to ship it anyway. Or that's what I've always
understood.
--
Roland Perry



On Saturday, 4 March 2017 10:24:50 UTC, Roland Perry wrote:
In message , at
08:27:21 on Fri, 3 Mar 2017, Matthew Dickinson
remarked:
No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.

Any transaction is either authorised, or declined. The only case where
the transaction is at the retailer's risk is if the retailer has
overridden the prompt for an authorisation (a common example is using
Visa Electron on-board trains and planes, where the card must always be
authorised, and historically there has been no way to do so).

That's the situation when the authorisation process simply isn't
available. There's another scenario where (eg) in mail order the
authorisation system says "sorry, wrong delivery address" and the
retailer decides to ship it anyway. Or that's what I've always
understood.
--
Roland Perry

Even if address verification is used, any Customer Not Present transaction has the potential to be chargebacked.

Oyster product pickup improvements
 

In message , at
04:59:58 on Sat, 4 Mar 2017, Matthew Dickinson
remarked:
No, you might get an unauthorised overdraft on your credit card,
and quite likely a penalty charge from the card company.

if you got these it wouldn't be rejected, would it?

The two outcomes are mutually exclusive.

Not if the Card Company sends a flag back to TfL saying "that was at
your risk because the customer is overdrawn".

and what on earth does that mean?

A transaction can be accepted in full, accepted at the retailer's risk,
or refused completely.

Any transaction is either authorised, or declined. The only case where
the transaction is at the retailer's risk is if the retailer has
overridden the prompt for an authorisation (a common example is using
Visa Electron on-board trains and planes, where the card must always be
authorised, and historically there has been no way to do so).

That's the situation when the authorisation process simply isn't
available. There's another scenario where (eg) in mail order the
authorisation system says "sorry, wrong delivery address" and the
retailer decides to ship it anyway. Or that's what I've always
understood.

Even if address verification is used, any Customer Not Present transaction
has the potential to be chargebacked.

I'd only expect an authorised transaction to be charged-back if there
was later a dispute about the quality/non-arrival of an item.

--
Roland Perry