Zero value authorizations

#1

Hi everyone

What has people’s experience with zero value authentication and Curve been like?

E.g.

In the chrome browser, Google will save card details and auto complete them for me.

If I add my Monzo card - it shows an active card check transaction of £0.00

The same thing happens if i goto a new website and try to use the card for the first time (using Google auto complete)

The zero value Auth is MasterCard’s allowed way to verify card details

If I do the same thing with my Curve card instead of my Monzo, it is a £1 Auth that hits my linked card as an Auth then an actual transaction!

Surely this shouldn’t happen and breaches MasterCard rules and regs?

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Better $1 and $0 transactions support
#2

Hi,

At the moment, we can’t distinguish between pre-auths and normal transactions. The amount is taken from your bank account and held by Curve, waiting for the retailer to capture it.

This amount will either expire after a week, or the retailer may send a reversal message before that. After that, it takes between 1-5 working days to be refunded back onto your underlying bank statement, depending on your bank or card issuer.

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#3

Hi

So just to be clear…

I put my card details in to add them to an app. The app doesn’t mention it’s going to take any money.

The app then processes a zero value authorization transaction.

You then change this to £1 and take the money from my linked card/account as an Auth then a settled transaction m

A week later you reverse this.

This seems very wrong and against MasterCard T&C’s for how to process these transactions…

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#4

Would be good to get an answer to this?

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#5

Our Complaints team is investigating your formal complaint with us about this issue and will respond to you with a formal response by May 2nd.

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#6

Fair enough.

Just surprised that I needed to raise this as a formal complaint when it seems so obviously wrong to do to your customers.

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