I’m a metal subscriber, but have been having some strange issues with my Curve card being declined.
I had assumed it was to do with the switch away from Wirecard, but apparently not.
I was informed today by Curve Support that “we generally don’t process transactions to retailers with the MCC 6012”. So, even though Curve’s own website says that “Curve Fronted makes these transactions possible… For Curve Metal customers, this is free” and the support page says “There are two types of transactions that we charge a fee for… Transactions falling under Merchant Category Code (MCC) 6012”.
I can see that this doesn’t mean that Curve have to permit every transaction under MCC 6012, given that the fraud system may flag certain transactions. And Support noted that “transactions to this merchant aren’t allowed with Curve, as we consider making this type of transaction using a Curve card to be high risk”. The merchant in question? Santander Bank. So according to Curve, Santander are high risk.
I honestly find Curve exhausting (I think I’ve suffered every debacle since the original “Legacy black”), but this is a really bemusing one. To advertise Metal as a way to avoid fees on MCC 6012, and then just block transactions altogether under the banner of “high risk” is unbelievably misleading. I’m not sure how Santander would feel about being identified as a high risk organisation by Curve, either.
In essence, Curve needs to make a decision. Either fee-free MCC 6012 transactions are part of Curve Metal and you don’t block them, or they are not permitted and not advertised. At the moment the “offer” is really not what it seems.