Debit card problem [failed transaction authorised]

This happens alot.

The bank has set aside this money for payment, but Dunnes havent taken it, It could take 3 days to turn back up in your account.

Check here for other people who were in the same situation.

I know it is a hassle, esp when its real money on your laser, it may as well have been stolen as you cant use it. But I cant see either the bank or Dunnes compensating you.

The sooner Laser is gone and replced by VISA debit, the better.

I've never heard of this happening with VISA debit only laser and to a lesser extent, credit cards.

I only have laser and this happened to me once for €25 at a petrol station, it took 3 days to get it back. I thought once I got Visa debit, it wouldn't happen again.

It seems to be a problem with the bank who clears the electronic payments for retailers.

Atleast it wasnt over the long weekend, so it may be back to you by tomorrow.

I think its a bank issue as they let the money come out of your account without you entering the PIN, but other see it as a shop issue....

http://www.boards.ie/vbulletin/showthread.php?p=71246537

She would have entered your pin, in Dunnes a card won't deny until after the pin stage. (Unless the type of card isn't accepted at all) Often if insufficient funds isn't the issue, when a card denies three times the till allows you to swipe it and have the sale go through that way. (But you can't swipe a chip card at any other time). The sales assistant should have tried that if you were certain you had the money in your account.

The key thing really is whether there's an authorisation code on your receipt (they have to still give you the receipt even when it refuses to go through). It's the last thing printed on the very bottom underneath your censored card number etc. If there's a blank space and no code after it, then it didn't go through. Also, underneath the items at the top will read EFT TENDER CANCELLED, however many times it denied. This isn't a fault with Dunnes, after your card denied the sale is still up on the screen with your subtotal and needs a manager to void the whole thing out, so clearly still awaiting payment. It's an issue with whatever bank authorises the credit/debit payments. It's the same thing when your account takes the transaction money twice- the sales assistant would need to be scanning everything again and taking your card again for it to be the shop's fault.