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You can find the current article at its original source at http://www.theguardian.com/business/2018/jun/01/visa-card-network-failure-what-we-know-so-far
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| Version 1 | Version 2 |
|---|---|
| Visa card network failure – what we know so far | Visa card network failure – what we know so far |
| (about 17 hours later) | |
| What has gone wrong? | What has gone wrong? |
| Visa users are experiencing widespread problems with card payments. The problems appear to mainly be with chip and pin transactions. ATM transactions are not affected, so you can still take cash out. Mastercard and American Express are not affected. | Visa users are experiencing widespread problems with card payments. The problems appear to mainly be with chip and pin transactions. ATM transactions are not affected, so you can still take cash out. Mastercard and American Express are not affected. |
| Difficulties with payment do not indicate that you have been robbed or your card has been hacked. | Difficulties with payment do not indicate that you have been robbed or your card has been hacked. |
| The problems appear to have begun shortly after 2.30pm on Friday. | The problems appear to have begun shortly after 2.30pm on Friday. |
| What is causing the problem? | What is causing the problem? |
| Visa says it is investigating and will update people as soon as possible. An Asda spokesman suggested the problem was with the authorisation that is supposed to be sent to a chip and pin machine when you make a transaction. “When you try and pay something, it sends a message to Visa and then Visa have to send a message back to the chip and pin machine to say this is OK and then the banks are in between at some point. The message that is coming back to the chip and pin, that is where the fault is,” he said. | Visa says it is investigating and will update people as soon as possible. An Asda spokesman suggested the problem was with the authorisation that is supposed to be sent to a chip and pin machine when you make a transaction. “When you try and pay something, it sends a message to Visa and then Visa have to send a message back to the chip and pin machine to say this is OK and then the banks are in between at some point. The message that is coming back to the chip and pin, that is where the fault is,” he said. |
| Where are people being affected? | Where are people being affected? |
| Across the UK and the rest of Europe – although the problems do not appear to be consistent. Many companies in the UK have reported problems, including Sainsbury’s, rail operator GWR and pub chain Wetherspoons. | |
| How long will the problem last? | How long will the problem last? |
| Visa said it was working to resolve the issue “as quickly as possible” but did not say how long that would take. Shortly before 6pm on Friday HSBC’s UK Twitter account said “there are still intermittent issues but services are slowly recovering”. | Visa said it was working to resolve the issue “as quickly as possible” but did not say how long that would take. Shortly before 6pm on Friday HSBC’s UK Twitter account said “there are still intermittent issues but services are slowly recovering”. |
| What effect is the payment failure having? | What effect is the payment failure having? |
| Many Visa users are complaining of difficulties as a result of the outage, reporting they have been stranded while travelling, are unable to pay for groceries, or are facing large queues at cash machines. But there were no early reports of panic, or evidence that the wider card payment system was under threat. | Many Visa users are complaining of difficulties as a result of the outage, reporting they have been stranded while travelling, are unable to pay for groceries, or are facing large queues at cash machines. But there were no early reports of panic, or evidence that the wider card payment system was under threat. |
| Retail industry | Retail industry |
| Credit cards | Credit cards |
| Consumer affairs | Consumer affairs |
| Banking | Banking |
| Europe | Europe |
| q&as | q&as |
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