[thomas-st]

Careful. My friend used Revolut virtual cards and forgot to deactivate the card after the purchase. Months (or a year) later he got a fraudulent charge and Revolut refused to waive it because they claim he should have deactivated the virtual card. If it were on a regular credit card he may have just been able to dispute it.

[jack_pp]

You should use their one time payment cards to be safe

[KennyBlanken]

Payment processing gateways can see what type of card you're using and many one-time/prepaid cards will be rejected for recurring service or deposit related billing.

[lrem]

Many if not most merchants I deal with refuse those. Which is terribly annoying when it's a shop with clunky checkout flow.

[Teever]

I'm baffled by the fact that the system is designed in any way to enable merchants to know that the card you're paying with is a single use card.

[happymellon]

They run two transactions, the first being £0 and it resets the card number causing the second to fail.

[Dylan16807]

That sounds like a bug on Revolut's side. It's supposed to be one payment per number, right?

[awill88]

No, it’s strategic. Feature not a bug. As someone who has integrated with Visa/MC/Amex using old school SOAP APIs, you will get higher quality context about what’s going on with the card when you hit it with a zero dollar transaction. Can’t say for sure if they are doing it primarily to avoid supporting this virtual card thing. But I found it conventional in my fintech stint

[happymellon]

I'm not sure, the merchant is running a dummy payment transaction presumably for this scenario so they can avoid people not giving them a card to charge at will.

This is where the card numbers that you can generate are best because you can delete the card afterwards.

[Mystery-Machine]

This is simply not true. You're not talking about the same type of card. Tell me one website that doesn't allow Revolut one-time virtual cards (note that these are not prepaid cards)

[happymellon]

I have Revolut and have encountered this a number of times.

The flow is usually that the merchant runs a check against the card by doing a £0 transaction rather than the correct card active check which resets the card number and causes the second transaction of the correct amount to fail.