Using the MasterCard in a plane

Stanley shared this question 6 months ago
Question

Well, I know that the payment terminal has to be connected to the internet for the card to be accepted. But somehow they manage to accept cards on planes e.g. ryanair where there of course is no interent available when youre flying in the sky.


My question is, can I then also pay there? Does anyone have any experience with this or does anyone from the Bunq team know? Right now I'm too scared to get my card out on planes for fear of it not working.

Best Answer
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Hey guys! 🙌


This is actually a tricky one, since every airline owns their own policy about how their terminals work during a flight. 🛫


Currently, a lot of terminals during a flight are offline. However, some of them will allow our cards to work even when offline, and process this payment once the terminal is back online. In other occasions, they might already make clear that payments with MasterCard or Maestro are not possible, or only offline payments with VISA or a credit card are allowed. 💳


However, it is really hard to tell from our side since every airline is free to choose their payment policy.


Regarding the chosen countries, this also changes depending on the airline: some of them will enable the country of origin of the airline, while some others might have global settings so it can work everywhere. Even different terminals in the same airline can hold different settings. 🌍


Since most airlines don't hold any information about their paying terminals in their website, we would love it if every bunqer could give their own input about your own experiences with different airlines, so the rest of the bunqers can benefit from them.


I travelled myself from Amsterdam to Barcelona with Transavia, and they didn't take any debit card, only credit cards. In this case, to be in the safe side, I would bring a payment alternative (cash or credit card) for these cases!


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Comments (16)

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42

Good evening Stanley!

Many thanks for reaching out, let me answer your question 💪

In general internet connection for the MasterCard is not needed since the MasterCard is used with an offline chip. However, at this moment we don't support MasterCard transaction at a terminal that doesn't have an online connection. The moment you have the possibility to pay offline in the airplane, but you don't have sufficient funds you will still be able to pay because without internet connection this is not possible to check out right away. Our ideology at bunq is that nobody should spent money that they don't have. That's why our MasterCards also are debit cards 👌

At this moment we don't support this kind of payments you're referring to, but I turned this into a wish to see if other bunqers would like to see this as well 🌈

Have a great evening!

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26

Thanks for the information! It kind of clears things up. Since it worked for someone else on a transavia flight then perhaps they do indeed have online connections?


The other question is even if it was possible, what country would I have to enable my card for if paying on Ryanair? Ireland? Or something else, because it is still always hard for me, especially when using webshops outside of the Netherlands to track down the country to activate the card for. Do I even need to do this?

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37

That's weird, because Ali mentioned many times that he could pay in the planes with his bunq Mastercard and now you're saying that it's not possible?.

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38

It would be great if you can lock a certain amount of money for offline payments. This way you can still pay to an offline terminal to a this amount.

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28

I know the N26 debit MasterCard works on a plane. Maybe they have satalite internet? I would not be at all embarrassed about the payment failing, merchants deal with cards failing all the time. Just bring backup cash.

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33

N26 has Service Code 201 and thus allow offline transactions bunq has 221 which forces an online transaktion like a prepaid card. N26 also know exactly who you are via IDnow. So they give you an UCOL (Upper Consecutive Offline Limit) at 50€

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32

I did pay at a Transavia flight to Marrakesh with my MasterCard. Took a couple of days before it was seducted but it worked fine.

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30

Most planes have internet on board. Some even WiFi for the passengers.

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29

Wouldn’t it be possible to pre-authorize an amount of money. You block this in my account and setup the card that it limits transactions to this amount while offline. This way I’d never spend any money that I don’t have.


Example: British airlines has no WiFi in Europe and doesn’t allow cash, so no drinks during the flight. Ridiculous policy.

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31

Fellow bunqers!

@Ricardo, many thanks for bringing this up! I owe all of you an addition to this question! In my response below I elaborated on offline terminals. The moment a terminal is offline, we can't make a connection with it as my answer below points out.

However, specifying this to the airplane environment: the card will work! 💪

The reason for this is the in-flight environment which is a mandated environment where support of the offline terminal is obligated. The airplane terminal has a specific chip which tells the card that it's an airplane terminal and that the offline payment is supported. @Stanley, you can catch any flight you want and be ready to show off with your bunq cards 🌈 😃

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30

Awesome! I'm looking forward to even more people commenting on my fantastic rainbow coloured card :D and what about country specific activation there? Is that still relevant? Because I guess since there is a special environment, logically it shouldn't be a problem.

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25

@Yoram How does that work transaction wise?

I assume the payments are send in a batch to bunq, do they appear as one or separate?

And is there a daily limit for those offline/airplane tx?

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20

These will show as separate payments, and the applied daily limits will be the ones you set in your bunq app 👍

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26

So essentially one could order for €100 on a plane which is later rejected because the daily limits were set to only €10 ?

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29

Hey guys! 🙌


This is actually a tricky one, since every airline owns their own policy about how their terminals work during a flight. 🛫


Currently, a lot of terminals during a flight are offline. However, some of them will allow our cards to work even when offline, and process this payment once the terminal is back online. In other occasions, they might already make clear that payments with MasterCard or Maestro are not possible, or only offline payments with VISA or a credit card are allowed. 💳


However, it is really hard to tell from our side since every airline is free to choose their payment policy.


Regarding the chosen countries, this also changes depending on the airline: some of them will enable the country of origin of the airline, while some others might have global settings so it can work everywhere. Even different terminals in the same airline can hold different settings. 🌍


Since most airlines don't hold any information about their paying terminals in their website, we would love it if every bunqer could give their own input about your own experiences with different airlines, so the rest of the bunqers can benefit from them.


I travelled myself from Amsterdam to Barcelona with Transavia, and they didn't take any debit card, only credit cards. In this case, to be in the safe side, I would bring a payment alternative (cash or credit card) for these cases!


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25

Having flown on Ryanair between STN - TLN my experience was one transaction successful and another declined and each terminal was configured differently. One was obviously configured as being in UK or Estonia but the other was configured as Ireland and hence declined as I had not added that country.