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#1
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![]() Mizter T wrote I strongly suspect he is referring to UK Switch (now branded Maestro) cards which until very recently were issued with (I think) a 19 digit principal number. UK issued Maestro cards are now being switched over to the 16 digit standard. I got my replacement (NatWest) Switch/Maestro with chip&pin and 16 digits in December 2005 so hardly "very recently". Did anyone get a chip&pin card with other than 16 digits ? -- Mike D |
#2
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On Tue, 01 Apr 2008 12:47:00 +0100, David Cantrell
wrote: On Fri, Mar 28, 2008 at 09:36:05AM -0700, Ianigsy wrote: Yes again- having spoken to somebody who works in the fraud risk department of a bank, the UK is only just moving to a system of having the same number of digits in a debit card number as the rest of the world. Uhh, the only card I've ever had that didn't have 16 digits was ... a visa credit card (Barclays, 13 digits), many years ago. My first Barclaycard did as well, had it in the late 90s. Neil -- Neil Williams Put my first name before the at to reply. |
#3
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On 28 Mar, 16:29, Mizter T wrote:
On 28 Mar, 15:59, Adrian wrote: On Mar 28, 2:05 am, MIG wrote: On Mar 27, 10:09 pm, (Neil Williams) wrote: On Thu, 27 Mar 2008 13:43:15 -0700 (PDT), Mizter T wrote: One of the attractions of credit cards is that problems such as fraudulent use can be sorted out easier using a credit card as opposed to a debit card - and if your current account is cleaned out it will likely cause you more grief *to get things sorted out than if it was just your credit card that was fraudulently used. Credit cards also offer extra legal protection for purchases of goods or services that cost =A3100+. This is exactly what I use a credit card for, and is exactly why I avoid the use of a debit card where possible. *It always gets paid off at the end of the month, and I have not yet omitted to do this, thus the convenience comes to me free of charge[1]. I noticed that TheTrainLine now charges for credit cards but not debit cards. That's a good reason not to use TheTrainLine I suppose, because I always used my credit card in the way described above. Would they actually know if you quoted a Debit Card number in place of a Credit Card one? Yes. AIUI debit cards use a different number range to credit cards. Whether companies elsewhere in the world would be able to instantly tell the difference between a UK issued debit and credit card is another question. Several companies (in the UK and elsewhere in Europe at least) either charge a premium for using a credit card (notionally to cover the extra costs), such as TheTrainline, easyJet and Ikea, or don't accept them at all, such as the discount supermarket Aldi (and Wikipedia states that this is the case for Aldi stores in the US as well [1]). Until only a few years ago Marks and Spencer didn't accept credit cards. The number range must also be referred to by supermarket (and pub) tills when it comes to allowing "cashback" or not. |
#4
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On 28 Mar, 17:15, MIG wrote:
On 28 Mar, 16:29, Mizter T wrote: On 28 Mar, 15:59, Adrian wrote: On Mar 28, 2:05 am, MIG wrote: On Mar 27, 10:09 pm, (Neil Williams) wrote: On Thu, 27 Mar 2008 13:43:15 -0700 (PDT), Mizter T The number range must also be referred to by supermarket (and pub) tills when it comes to allowing "cashback" or not.- Hide quoted text - - Show quoted text - There is a summary at http://www.barclaycardbusiness.co.uk/docs/binranges.pdf |
#5
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In message
, at 09:29:38 on Fri, 28 Mar 2008, Mizter T remarked: AIUI debit cards use a different number range to credit cards. Whether companies elsewhere in the world would be able to instantly tell the difference between a UK issued debit and credit card is another question. I would be astonished to discover that there wasn't a standard ecommerce plug-in that identified the kind of card (along with the one that everyone uses to ensure the checksum is OK). Even if the seller doesn't deploy one, their merchant services must, so they can tell who to send the charge to. -- Roland Perry |
#6
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![]() On 28 Mar, 17:26, Roland Perry wrote: In message , at 09:29:38 on Fri, 28 Mar 2008, Mizter T remarked: AIUI debit cards use a different number range to credit cards. Whether companies elsewhere in the world would be able to instantly tell the difference between a UK issued debit and credit card is another question. I would be astonished to discover that there wasn't a standard ecommerce plug-in that identified the kind of card (along with the one that everyone uses to ensure the checksum is OK). Even if the seller doesn't deploy one, their merchant services must, so they can tell who to send the charge to. One would think that likely for big ecommerce companies, but perhaps not elsewhere. I've certainly heard about people using some of the basic debit cards - Visa Electron and Solo (i.e. the one's that need online authorisation) - with companies and retailers that notionally disallowed them, and I'm not just talking about railway booking offices or ticket machines either. This led me to think that sometimes perhaps the card number range filtering is implemented badly (or not at all) by some retailers. Additionally if retailers are not using online EPOS systems (i.e. if the details all get sent in batches every so often - or even if the card is processed manually, old-school style) then the merchant service provider's systems won't necessarily get a chance to reject inappropriate cards (if the EPOS machine doesn't already have an appropriate filter installed). I'm sure I'm using all the wrong terminology but you catch my drift! |
#7
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In message
, at 11:31:02 on Fri, 28 Mar 2008, Mizter T remarked: I would be astonished to discover that there wasn't a standard ecommerce plug-in that identified the kind of card (along with the one that everyone uses to ensure the checksum is OK). Even if the seller doesn't deploy one, their merchant services must, so they can tell who to send the charge to. One would think that likely for big ecommerce companies, but perhaps not elsewhere. It wasn't the size of the e-commerce company, but the size of the organisation producing the e-commerce module. To take an extreme example, someone can be a really small company selling on eBay, but you get the benefit of Paypal's card processing. I wouldn't expect any small company to be writing their own card processing software, any more then they write their own spell checker. -- Roland Perry |
#8
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On Wed, 02 Apr 2008 08:23:42 +0100, Roland Perry wrote:
In message , at 11:31:02 on Fri, 28 Mar 2008, Mizter T remarked: I would be astonished to discover that there wasn't a standard ecommerce plug-in that identified the kind of card (along with the one that everyone uses to ensure the checksum is OK). Even if the seller doesn't deploy one, their merchant services must, so they can tell who to send the charge to. One would think that likely for big ecommerce companies, but perhaps not elsewhere. It wasn't the size of the e-commerce company, but the size of the organisation producing the e-commerce module. I wouldn't expect any small company to be writing their own card processing software, any more then they write their own spell checker. In some countries they can't 'roll their own'. In Australia for example, the bank's regulations for handling on-line card transactions are so onerous that most sites just use a broker to handle all that bit 'off site'. The banks naturally offer such services for your site.... You could roll your own, but proving to the banking industry that it works to their requirements is reasonably difficult, and if they don't think you comply, they won't handle your transactions. -- Matthew Geier |
#9
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In message
Adrian wrote: On Mar 28, 2:05*am, MIG wrote: On Mar 27, 10:09*pm, (Neil Williams) wrote: On Thu, 27 Mar 2008 13:43:15 -0700 (PDT), Mizter T wrote: One of the attractions of credit cards is that problems such as fraudulent use can be sorted out easier using a credit card as opposed to a debit card - and if your current account is cleaned out it will likely cause you more grief *to get things sorted out than if it was just your credit card that was fraudulently used. Credit cards also offer extra legal protection for purchases of goods or services that cost =A3100+. This is exactly what I use a credit card for, and is exactly why I avoid the use of a debit card where possible. *It always gets paid off at the end of the month, and I have not yet omitted to do this, thus the convenience comes to me free of charge[1]. I noticed that TheTrainLine now charges for credit cards but not debit cards. That's a good reason not to use TheTrainLine I suppose, because I always used my credit card in the way described above. Would they actually know if you quoted a Debit Card number in place of a Credit Card one? Yes, from the number series. -- Graeme Wall This address is not read, substitute trains for rail. Transport Miscellany at http://www.greywall.demon.co.uk/rail/index.html |
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