Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 | 4 | 5
Kyanar
3214 posts

Uber Geek

Trusted
Subscriber

  #767228 21-Feb-2013 18:13
Send private message

DeroyBoy: I tried pushing credit on my ASB Visa debit at the gas station today.

It was Declined - Invalid Transaction.

That was on the purchase of fuel, no cash out or anything else.


Gas stations are a bit of a different beast - there are so many extra things only places like gas stations and hotels can do with a credit card you'd be shocked at.  Was that using pay at pump or in the store?

bradstewart
4325 posts

Uber Geek

Mod Emeritus
Trusted
Lifetime subscriber

  #767239 21-Feb-2013 18:31
Send private message

DeroyBoy: I tried pushing credit on my ASB Visa debit at the gas station today.

It was Declined - Invalid Transaction.

That was on the purchase of fuel, no cash out or anything else.


This is what I've seen for the past 4 or 5 years of having a debit card. I tested this today, same thing happened at Countdown and also when I bought my lunch at a bakery. Both places accept your standard Visa.

 
 
 
 


DeroyBoy
240 posts

Master Geek

Trusted

  #767241 21-Feb-2013 18:40
Send private message

Kyanar:
DeroyBoy: I tried pushing credit on my ASB Visa debit at the gas station today.

It was Declined - Invalid Transaction.

That was on the purchase of fuel, no cash out or anything else.


Gas stations are a bit of a different beast - there are so many extra things only places like gas stations and hotels can do with a credit card you'd be shocked at.  Was that using pay at pump or in the store?


I paid in the store.

sonyxperiageek
2761 posts

Uber Geek

Trusted

  #767336 21-Feb-2013 21:49
Send private message

Kyanar:
dickytim: 

So you are arguing with what the banks themselves have said about how Visa Debit cards work, and you are talking about a bank issued Visa Debit card?

I believe your assumption of what a visa debit card is may be a little off.


No, my assumption is not.  To use a Visa Debit on the Visa network, you push Credit.  I don't care what your bank says in the marketing literature, that's how it works.  To use it as an EFTPOS card across the EFTPOS network, you push Cheque or Savings.  This isn't unique to Debit cards, it's also how my MasterCard works.

sonyxperiageek: 
This is in reply to my response as I can't be bothered removing all the quotes..
The reason why people chose a debit card was so they could use their own transactional accounts, right? So they would be using their Own money to pay for things rather than using "credit". So my bank told me to Only use the "cheque" option..


They tell you that because when you're at a physical merchant and using the terminal, there's no point choosing credit since the merchant is obviously connected to the EFTPOS network and it can be processed that way cheaper and faster.  If you were to choose "Credit" the Visa network would process the transaction as a Credit transaction out of your bank account same as if you do it online - except that the merchant would pay more as Visa and other credit card transactions attract a percentage of the total purchase price (around the 2% mark) in fees.


So if I go to a (physical) merchant and use their terminal, will they accept if I press the "credit" button for my visa debit?




Sony

 

--

 

NZ TechBlog Follow me on Twitter | My Geekzone blog | Sharesies Referral | Electric Kiwi Referral | UberEats Referral Code: eats-17atx


sonyxperiageek
2761 posts

Uber Geek

Trusted

  #767342 21-Feb-2013 22:06
Send private message

joker97: to those who wonder why you would push credit instead of the cheque button, visa has some benefits to the buyer eg you can reverse the charge in a dispute, and maybe other benefits


Apart from that it doesn't work in all the stores I've tried..

Also, if I do press "credit" with my visa debit, will I be charged a transactional fee or any miscellaneous fees like that?




Sony

 

--

 

NZ TechBlog Follow me on Twitter | My Geekzone blog | Sharesies Referral | Electric Kiwi Referral | UberEats Referral Code: eats-17atx


insane
2416 posts

Uber Geek

Trusted
Subscriber

  #767364 21-Feb-2013 23:26
Send private message

Kyanar:
bradstewart: Interesting theory yet selecting credit has never worked with any of my visa debit cards.


It's not a theory.  And I've never had a problem using my debit card as a credit card even in stores (mostly to be vindictive to fish and chip shops that take Visa and charge $0.50 for sauce) until I got a MasterCard and stopped using it.  Things stop being theories when they actually apply in practice.  Just saying.


Sorry mate but you are so far off on this topic its best to stop replying. When you drive on the motorway do you find everyone is driving on the wrong side of the road?

OK personal attacks aside, my experiences are that address details do matter under some circumstances and visa debit cards use the cheque option on eftpos machines, the credit option fails every time without exception. Just like everyone else in this thread and per the banks instructions.

Having said that I know ASB have the option to have the cheque, savings and maybe also the credit button options mapped to whatever accounts you want.


Kyanar
3214 posts

Uber Geek

Trusted
Subscriber

  #767371 22-Feb-2013 00:02
Send private message

insane: Sorry mate but you are so far off on this topic its best to stop replying. When you drive on the motorway do you find everyone is driving on the wrong side of the road?

OK personal attacks aside, my experiences are that address details do matter under some circumstances and visa debit cards use the cheque option on eftpos machines, the credit option fails every time without exception. Just like everyone else in this thread and per the banks instructions.

Having said that I know ASB have the option to have the cheque, savings and maybe also the credit button options mapped to whatever accounts you want.



Nope, not off at all.  And um, FUG violations aside (you do realise personal attacks are a violation right?  I'll refrain from stooping to your level) I've never had the "Credit" option fail.  There are, however, several places I've been to where credit transactions in general fail (even with an actual credit card) unless you pre-warn the merchant so they do something different.

 
 
 
 


turnin
509 posts

Ultimate Geek
Inactive user


  #767372 22-Feb-2013 00:05
Send private message

Anyone noticed that with some of the newer machines when you use a normal "credit" card (without a chip) that the merchant has to push a button to verify your signature is the same as on the card, yet they can't actually do this because they can't take the card out of the terminal and your signature is on the card.

nicnzl
172 posts

Master Geek


#767387 22-Feb-2013 07:09
Send private message

turnin: Anyone noticed that with some of the newer machines when you use a normal "credit" card (without a chip) that the merchant has to push a button to verify your signature is the same as on the card, yet they can't actually do this because they can't take the card out of the terminal and your signature is on the card.


Do people still use signatures on credit cards?

sonyxperiageek
2761 posts

Uber Geek

Trusted

  #767400 22-Feb-2013 08:19
Send private message

nicnzl:
turnin: Anyone noticed that with some of the newer machines when you use a normal "credit" card (without a chip) that the merchant has to push a button to verify your signature is the same as on the card, yet they can't actually do this because they can't take the card out of the terminal and your signature is on the card.


Do people still use signatures on credit cards?


I think only the ones without a chip.




Sony

 

--

 

NZ TechBlog Follow me on Twitter | My Geekzone blog | Sharesies Referral | Electric Kiwi Referral | UberEats Referral Code: eats-17atx


sbiddle
29276 posts

Uber Geek

Moderator
Trusted
Biddle Corp
Lifetime subscriber

  #767401 22-Feb-2013 08:23
Send private message

turnin: Anyone noticed that with some of the newer machines when you use a normal "credit" card (without a chip) that the merchant has to push a button to verify your signature is the same as on the card, yet they can't actually do this because they can't take the card out of the terminal and your signature is on the card.


Why would a non EMV complianty card be in the terminal? Since it has no chip you would just swipe the card.


richms
23676 posts

Uber Geek

Trusted
Subscriber

  #767679 22-Feb-2013 14:23
Send private message

it always asks the merchant to allow pin bypass. always say no at the shop.




Richard rich.ms

ajobbins
Awesome
4891 posts

Uber Geek

Trusted
Subscriber

  #767787 22-Feb-2013 17:15
Send private message

richms: it always asks the merchant to allow pin bypass. always say no at the shop.


I've found a lot of places, especially restaurants, go yes to PIN bypass without asking. I assume it's because the receipt that gets spat out then has a place for you to write in a tip amount. I always put a big line through the area on the receipt in case a dodgy person decided to full in their own tip after you leave.




Twitter: ajobbins


richms
23676 posts

Uber Geek

Trusted
Subscriber

  #767860 22-Feb-2013 19:17
Send private message

Another thing, I have now twice been asked to enter a pin at maccas. I thought they did that big deal about not needing a pin there. Has that changed?




Richard rich.ms

b0untypure1
1417 posts

Uber Geek


  #768585 24-Feb-2013 20:13
Send private message

my visa debit works on everything. the only problem i encountered was in Japan. No problems topping up phone or buying pizza from pizza hut. sorry dominoes.




gz ftw


1 | 2 | 3 | 4 | 5
View this topic in a long page with up to 500 replies per page Create new topic





News »

Nanoleaf enhances lighting line with launch of Triangles and Mini Triangles
Posted 17-Oct-2020 20:18


Synology unveils DS16211+
Posted 17-Oct-2020 20:12


Ingram Micro introduces FootfallCam to New Zealand channel
Posted 17-Oct-2020 20:06


Dropbox adopts Virtual First working policy
Posted 17-Oct-2020 19:47


OPPO announces Reno4 Series 5G line-up in NZ
Posted 16-Oct-2020 08:52


Microsoft Highway to a Hundred expands to Asia Pacific
Posted 14-Oct-2020 09:34


Spark turns on 5G in Auckland
Posted 14-Oct-2020 09:29


AMD Launches AMD Ryzen 5000 Series Desktop Processors
Posted 9-Oct-2020 10:13


Teletrac Navman launches integrated multi-camera solution for transport and logistics industry
Posted 8-Oct-2020 10:57


Farmside hits 10,000 RBI customers
Posted 7-Oct-2020 15:32


NordVPN starts deploying colocated servers
Posted 7-Oct-2020 09:00


Google introduces Nest Wifi routers in New Zealand
Posted 7-Oct-2020 05:00


Orcon to bundle Google Nest Wifi router with new accounts
Posted 7-Oct-2020 05:00


Epay and Centrapay partner to create digital gift cards
Posted 2-Oct-2020 17:34


Inseego launches 5G MiFi M2000 mobile hotspot
Posted 2-Oct-2020 14:53









Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.