I have the Metal plan, which I took out to make use of the features to pay off my AmEx, top-up Monese and Starling. Maybe not all of those need Fronted but the Amex does.
While everything has been fine since basically ever recently no matter what I do I can’t get any of these merchants to accept my Curve since 8th September.
I am asked to confirm the payment in the app, then after a few seconds the merchant shows the payment as declined or an error. In the Curve app there is no trace of the transaction on my timeline. I do have the issue that some report that confirm does nothing for a good few taps but that has been the case for a few months now I believe.
The issue occurs whether it is using my linked credit and debit cards, the debit of which support the above merchants natively. Hence I do not believe that it is due to some kind of MCC block.
Still I’d like to know, has the MCC changed in the last few weeks that could cause this?
To complicate things, I’ve seen with my own eyes a friend who has Metal pay off his AmEx without issue and an underlying Barclays credit card selected.
I just have no joy and I cannot fathom why.
My card works absolutely fine, I have always used Curve for organic spend and those continue to work using the physical card, Apple Pay and online.
Could it be something like the particular BIN which shows as Premium Business is now blocked and I need to ask for a personal card, mine is commercial.
I’ve been on with Curve support for several now and I am not getting anywhere. Hence my appeal to the community to give me some ideas on how to troubleshoot.