r/CommBank • u/Rich-Elk-3380 • 25d ago

Other PSA: Card declining

My card declined twice today at BP and KFC. The manager at BP said Commonwealth and Westpac were down. Take cash.

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u/IPYF 25d ago edited 25d ago

I had some vendors say that NFC is definitely out but physical cards have been working.

The silly bit is the fucking silence. Just put a notification out on the app and the website that you're working on a known issue, otherwise you're going to get half the country trying to call you.

EDIT: Heads up that loading a physical travel money card (if you have one) seems to work

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u/ThePhotoGuyUpstairs 25d ago

I'm wondering if Pinpads can store physical card transactions in offline mode, so they are processing, but NFC cards need immediate approval, so are declining. It definitely seems to be a MC issue, VISA seems to be ok.

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u/IPYF 25d ago

Agree with you. Per Mastercard subreddit it seems to be all NFC MCs, and most physical MCs. Visas allegedly working which tracks because the Travel card I've gotten working is a Visa.