Another High Street Rebrand

[Whataday]

Looks like a P?

[cdd]

I’d have expected the animated reveal to try and make that obvious, but it doesn’t either.

[WillPS]

There's also a much improved debit card design, which confusingly doesn't feature the new logo:

[Pete]

There's also a much improved debit card design, which confusingly doesn't feature the new logo:

Oh I got my new vertical TSB card.

I see they're phasing out the 3D numbers, not sure whether they've just noticed nobody uses clackity imprint swipers anymore or if there's been a ban of them in new regulations? Certainly only a few years back they were still the disaster recovery solution if the networks went down.

The one thing I don't get though is surely its less secure to have the main number, expiry *and* CCV on the same side?

[WillPS]

There's also a much improved debit card design, which confusingly doesn't feature the new logo:

Oh I got my new vertical TSB card.

I see they're phasing out the 3D numbers, not sure whether they've just noticed nobody uses clackity imprint swipers anymore or if there's been a ban of them in new regulations? Certainly only a few years back they were still the disaster recovery solution if the networks went down.

Not a ban but a relaxation of the previous rules - also a little bit cheaper to produce. I prefer them as the highlight always rubs off with a few months in my wallet.

They're trying to encourage retailers to move to having a mobile-based terminal for DR purposes rather than doing anything offline, I imagine making poor shop workers write out click clack slips by hand is considered acceptable collateral for them.

The one thing I don't get though is surely its less secure to have the main number, expiry *and* CCV on the same side?

Again, not really any more - card not present transactions should always perform a form of address verification.

Amex have always done it this way, incidentally.

[Pete]

They're trying to encourage retailers to move to having a mobile-based terminal for DR purposes rather than doing anything offline, I imagine making poor shop workers write out click clack slips by hand is considered acceptable collateral for them.

In that instance though it was Visa themselves that was down, rather than Asda's own merchant bank. Not sure what the solution there is.

[thegeek]

There's also a much improved debit card design, which confusingly doesn't feature the new logo:

'debit' being in Mastercard's typeface next to 'first direct' in Helvetica just looks Wrong.

[WillPS]

They're trying to encourage retailers to move to having a mobile-based terminal for DR purposes rather than doing anything offline, I imagine making poor shop workers write out click clack slips by hand is considered acceptable collateral for them.

In that instance though it was Visa themselves that was down, rather than Asda's own merchant bank. Not sure what the solution there is.

In that scenario, terminals should be able to fallback by themselves to an offline mode (so long as the retailer's own systems are intact).

The problem is that an increasing number of debit cards are set to decline in an offline situation - and it's not easy for the holder and the retailer to understand which cards these are as they no longer carry any differentiating markings. I have a dozen or so active debit cards and I honestly don't know which are and which aren't. I would imagine my Starling and Monzo are and my longstanding Natwest and Halifax ones with overdraft facilities are not, but all the others... who knows.

Regardless of systems availability, those cards should never be authorised offline - which causes a problem if you're running a supermarket in a low income area.

[thegeek]

The problem is that an increasing number of debit cards are set to decline in an offline situation - and it's not easy for the holder and the retailer to understand which cards these are as they no longer carry any differentiating markings. I have a dozen or so active debit cards and I honestly don't know which are and which aren't. I would imagine my Starling and Monzo are and my longstanding Natwest and Halifax ones with overdraft facilities are not, but all the others... who knows.

Regardless of systems availability, those cards should never be authorised offline - which causes a problem if you're running a supermarket in a low income area.

And I thought I had a lot of cards in my wallet!

What would have happened in the past in an offline situation? I guess Solo cards would have had an obvious zero floor limit, but otherwise wouldn't everything else have just gone through, with the consequences dealt with later?

(Monzo does allow offline transactions, by the way.)

[tillyoshea]

(Monzo does allow offline transactions, by the way.)

As does Starling.

[WillPS]

The problem is that an increasing number of debit cards are set to decline in an offline situation - and it's not easy for the holder and the retailer to understand which cards these are as they no longer carry any differentiating markings. I have a dozen or so active debit cards and I honestly don't know which are and which aren't. I would imagine my Starling and Monzo are and my longstanding Natwest and Halifax ones with overdraft facilities are not, but all the others... who knows.

Regardless of systems availability, those cards should never be authorised offline - which causes a problem if you're running a supermarket in a low income area.

And I thought I had a lot of cards in my wallet!

What would have happened in the past in an offline situation? I guess Solo cards would have had an obvious zero floor limit, but otherwise wouldn't everything else have just gone through, with the consequences dealt with later?

(Monzo does allow offline transactions, by the way.)

I know - I have an addiction to these things - but I don't carry a dozen debit cards with me! In fact, I could probably get away with not carrying a debit card at all if I didn't occasionally take £20 out in pound coins to tip takeaway drivers with.

Visa Electron and prepaid cards were always marked as 'online use only', and never used to have raised numbers. No idea what would happen if the retailer ignored that and wrote out an imprint slip regardless.

Solo cards didn't feature such markings and had raised numbers - in fact they even had Maestro logos so they could be used internationally, so no idea there.