Online Card payments Error

Tim

L That usually means the PSP of the merchant has an outdated BIN database but that shouldn't happen in this frequency anymore as the online cards are released for quite a while now.. It could still happen with the Green Card for example as it's relatively new.

I'll try to get this to the attention of the appropriate department but if you already reported this through support I'm not sure if that will speed up anything.

Lui

Tim The support just said I should refund it.

And never said anything about the technical problem!

Lui

Tim One Provider is Sixpayments and the other one isn’t shown on the website.

Lui

Tim Paying with the Debit Card Worked :)
Don’t want to try the Online Card again, because I don’t want to loose my money.

Heiko-Hartwig

Die solltest die Namen aus den Nachrichten entfernen, denn der Datenschutz bzw. die Persönlichkeitsrechte der Personen erfordern das.

Lui

Heiko Hartwig ok thx. is done

Robert-Jan-Mahieu

L Programmer here!

This is a strange case. I haven't heard of these issues before. If we did get an error on our end, we also wouldn't have debited your account like this. You say you've had these issues with multiple payments. These were all on different websites?

Lui

RJ Yes these were on different websites :)

on motorcycleid.com and on some austrian websites.

I entered all my information. (Same address as in bunq)
Clicked Pay/Order -> Error

Could it really be a Bin Problem?

Robert-Jan-Mahieu

L I wouldn't expect any BIN problems at this point anymore, our virtual BINs have been in use long enough now. Although I cannot completely exclude that possibility, I would expect these issues to have a different cause.

You could try using a Travel Card. That uses a different BIN range. Plus it identifies to the merchant as a credit card, which should help increase acceptance as well.

New-Vermilion-Capybara-4021207414

L Yea

Lui

RJ So, got more infos from my motorcycleid.com order. Don't know what transaction ID this is, but they gave it to me....

Alicia[16:02] Thank you for holding, Luis! Your payment failed and was declined. Our team checked and we do not have the funds from you. credit card was never charged, there was credit card authorization that should be reversed by your bank. Here is transaction ID for declined payment:
5843697366236481404092

Alicia[16:03] You can check on it with your bank.

Alicia[16:03] If you want to process order, we need the payment to go through. We sent you PayPal bill and you can pay it to process your order.

Sie[16:03] Ok thx. Can you stop the transaction completely. I will try to purchase it again with my card.

Robert-Jan-Mahieu

L They weren't able to provide you with a reason why the payment failed and was declined? That's what we're interested in, since we haven't yet received any reversals. In the meantime we have reached out to their payment service provider, but unfortunately they haven't responded yet.

In the meantime I suggest you request a refund for this payment through our app if you haven't done so already.

Lui

RJ In the support chat they say:

"Unfortunately I do not have requested information, since it can be checked only with your bank"
if I ask
"Hey, the payment on this order failed. And my bank asked me why it failed? Could you look into this? The payment was done yesterday"

Robert-Jan-Mahieu

L That's unfortunate, but thanks for asking.

Lui

RJ Okay, even with the card this still fails.

With the card, my payment got marked as possible fraud.
And their verifiction process declined the Bunq MasterCard payment after one day.

But I think this time the problem is for sure not on bunq's side.

Lui

RJ got the next payment error when paying with the online card.
PlagScan.com

Robert-Jan-Mahieu

L I don't see any errors on our end. Very strange again. We haven't heard back from the payment service provider for the previous cases unfortunately. We're now also reaching out to Mastercard to find out if we can find out more.

Dima-

L Mir passiert das ständig und nicht nur mit Bunq, sondern auch mit andere MasterCards, wie Kreditkarte von Advanzia. Ich vermute das liegt an Mastercard 3D Security. Der Betrag wurde auch abgebucht, aber die Bestellung wurde nicht abgeschlossen. Bei bunq hat es 7 Tage gedauert, bis das Geld zurückgegeben wurde. Bei Advanzia 4 Tage.

Lui

Dima 3D Secure? On these payments I got never ask for 3d secure.
The website didn’t implement it.

Dima-

L Musst du damals nicht im bunqApp Zahlung freigeben?

Lui

Dima No, this was a payment without 3d secure :)

Dima-

L Ok, dan weiß ich nicht. Bei mir war immer mit 3D Prüfung.