TfL payment tracking and processing is just a big pile of spaghetti right now. They have gotten away with it for years as banks haven’t been real-time, but they’re coming to a point where they will have to reimagine their systems as more and more people can see how bad their processes are and how fragmented the information is.
It would be nice if one day in the future it could deep link with your bank via APIs and take out £1.50 when you tap in on the bus, then edit the transaction to take out or refund further increments that build up through your day, then the bank could choose to alert you that the last train cost £0 as you had already reached a travel card threshold, and maybe show you a map of your journey with details of each leg.
I think their main problem is they are running ‘end of day’ batches just like the incumbent banks, and so however they dress it up they are incompatible with fintech at this moment in time.
Not sure what Starling or any fintech can do about it on their end. I certainly wouldn’t want to be alerted to daily travel usage costs by my bank while I’m asleep.
Pray for APIs