This morning I made the silly mistake of trying to buy a coffee from costa forgetting that I disabled “card present” transactions ina mad panic I contacted starling to find out why? The person there told me rightly I’d have to re-enable this type of payment.
My idea to avoid unnecessary panic is to be sent a push notification to a user if their card has a payment attempt when the setting is disabled. This would stop them from contacting CS and allow the user to continue making their payment. From a fraud prevention point of view it would also be useful in case you have frozen the card whilst you look for it. If you were looking for the card and a failed transaction attempt pops up on your phone then the hunt for the card would be over because clearly it’s comprimised.