Is anyone else having headaches accepting payments from UK Maestro cards? On 1st July they introduced some changes - the main one was that all ecommerce payments using their cards must be 3D Secure - not a problem for us as we've been 3D Secure for a while.
But we've just found out they introduced some other "small" changes that no-one thought to tell us about.
We have always performed an "authorisation" at the point of purchase, which doesn't actually debit any funds there and then, just checks details are valid and funds are available. We then take the money as and when we despatch the goods. This means we promise our customers that we never take a penny until the goods are on the way to them - so if we're out of stock or there's a problem, we can sort it out before we take any money. Seems a professional way to go about things.
But now, there's apparently a 2 day limit from the authorisation to when you take funds. If you attempt to take funds after that date, then it will fail. This means if someone places an order on our website on Friday evening, our attempt to take funds on Monday morning will be rejected. So we then have to phone the customer to take their card details and put it through our MOTO account (which is not 3D Secure so we lose the liability shift).