I made a payment through an iOS app using my Starling card without remembering at the time I had disabled online payments. The payment went through regardless. I queried this with CS and they said it was processed as a manual payment.
A couple of years ago I got a frantic phone call from my bank asking me if I had made two online transactions at online travel agent websites each for £300. I informed them I hadn’t (no verified by visa). They, from my perspective, grudgingly accepted this and refunded me.
So I was delighted when Starling allowed me to disable online payments, which I did straight away thinking I would re-enable it as needed.
Last week I needed to order some devices for a service I use and so fired up their app which took me to their store. I put in my Starling card details and completed the transaction. A few hours later I opened my Starling app to check something and then remembered that I had thought I had disabled online payments. Sure enough I had.
I immediately queried this with CS and they went off and investigated. The answer came back that this payment was processed manually (whatever that means). So even though I made the payment through an app it was not flagged as an online payment.
Looking at the payment in the app it is categorised as “Card Payment” whereas a payment for an Office 365 subscription I have is shown as “Online Payment”
This seems to flag up an issue. How can you block online payments with any confidence if the online merchant doesn’t process it as an online payment.
What is the definition of an online payment?