Hacker News new | ask | show | jobs
by lrem 1361 days ago
Many if not most merchants I deal with refuse those. Which is terribly annoying when it's a shop with clunky checkout flow.
2 comments
Teever 1361 days ago
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.
link
happymellon 1361 days ago
They run two transactions, the first being £0 and it resets the card number causing the second to fail.
link
Dylan16807 1360 days ago
That sounds like a bug on Revolut's side. It's supposed to be one payment per number, right?
link
awill88 1360 days ago
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
link
ScoobleDoodle 1360 days ago
Parent is saying Revolut should handle both the 0 payment and the subsequent real payment without resetting the number so that this workflow succeeds. They’re not saying to fix the double charge attempt, which as you say gives more information.
link
solumunus 1360 days ago
They're saying £0 isn't a payment and Revolut should ignore it. It's not a Revolut bug but it's missed functionality for sure.
link
happymellon 1360 days ago
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.

link
Mystery-Machine 1361 days ago
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)
link
happymellon 1361 days ago
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.

link