Popular breakdown firm AutoAid continues to decline Amazon Mastercard payments on it’s website for both customers taking out new policies and those renewing.
Frustrated customers report being unable to make payments using the UK issued Mastercard provided by NewDay Ltd despite the firm accepting other Mastercards.
This frustration is nothing new for users of new digital banks such as Monzo who list a number of reasons why their cards can sometimes be declined by merchants. Some of these are unique to the types of cards typically issued by new digital banks that default to online processing, thus causing a delay between approval or declining during which a customer may have walked off. However, we don’t believe this is something that would be affecting the NewDay cards as, unlike Monzo, realtime card data isn’t provided to an app on the customer’s phone.
Source code acceptance, as highlighted by Monzo, also shouldn’t be an issue in this case, as it’s not a bank transfer or direct debit that’s being attempted.
This only leaves out of date BIN tables, but as NewDay was set up five years ago in 2014 and the predecessor to this was Santander Credit Cards formed in 2000, the chances that the BIN tables are so out of date would appear to be very remote.
For now it remains a mystery, but stay tuned for further updates!
DPS Computing has reached out to AutoAid for comment.
Have you had a similar experience? Do you have a theory why the cards are being declined? Let us know in the comments below!