Kitz Forum
Chat => Chit Chat => Topic started by: broadstairs on November 17, 2021, 09:59:19 AM
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I found out today that Amazon will not be accepting any VISA Credit cards registered in the UK for payment starting 19th January 2022. I am most unhappy about this since using a credit card for large payments gives much better protection. The will accept Visa Debit cards though. Apparently this is a spat between VISA and Amazon over the high charges on these cards. I certainly will not be applying for any other credit cards just to please them. I've had a VISA Credit card since Barclays first issued their Barclaycard yeas ago! I suppose if VISA give in and reduce their charges Amazon might allow them again but some how I doubt it.
Stuart
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Well done Amazon, that basically means I wont be able to make any large value purchases on Amazon any more.
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I see they accept American Express, which always used to have the highest charges by far. But maybe that's changed?
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Well done Amazon, that basically means I wont be able to make any large value purchases on Amazon any more.
Likewise, I'll buy low value items I cannot get anywhere else at a lower price using my debit card but nothing of significant value, I'll also reconsider my Prime account. We took out a Prime account during lockdown as we found we were buying quite a lot of stuff form them but now it's a different consideration.
Stuart
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Just bought an item from Amazon. They offered me £10 if I registered a backup card to my Visa credit card. Which I did and they gave me the £10 as a 'promotional balance'. Used it immediately to get £10 off the item I was buying. £10 per Visa credit card user, that could cost them rather a lot. Maybe this offer won't last that long...
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I see they accept American Express, which always used to have the highest charges by far. But maybe that's changed?
Amazon process card payments in Luxembourg so incur some insane charges from Visa. The UK was protected from these before it left the EEA but after this game on.
American Express seem to have stuck to the EEA charges for the UK so far. Think this is another roaming charges, etc, thing.
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Guess I'll have to go back to using my Mastercard with Amazon.
Just bought an item from Amazon. They offered me £10 if I registered a backup card to my Visa credit card. Which I did and they gave me the £10 as a 'promotional balance'. Used it immediately to get £10 off the item I was buying. £10 per Visa credit card user, that could cost them rather a lot. Maybe this offer won't last that long...
Best I register my Mastercard ASAP as they offered me £20 discount :)
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How have you found out about this?
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Amazon emailed folks with Visa credit cards as their default card.
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Amazon emailed folks with Visa credit cards as their default card.
Found it, they are offering me £20!
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Both my cards are Mastercard (Tesco and Sainsburys) so I'm not affected. The points for every £1 spent on them usually pays for the extra shopping in the run up to Xmas (if not already used for something else).
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This only affects Visa credit cards.
Visa debit and visa electron will continue to work on Amazon.
I'll survive. I'm sure Amazon will also.
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Yes, the other half has said Amazon can go screw themselves, will just purchase elsewhere.
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How have you found out about this?
BBC Website News (https://www.bbc.co.uk/news/business-59306200).
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Got my £20 voucher, can't complain at free money off my next order. It was only a few months ago I changed my registered card with Amazon to a Visa credit card from a Mastercard, purely because the issuing bank had altered its transaction downloads, but its no real hard ship for me as I have both anyway.
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I used to have a Mastercard which I used for all my work stuff but didn't need it once I retired so cancelled it. No way am I getting another card just for Amazon, I'm guessing they'll have a spat with another card issuer before long
Stuart
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E-commerce means this will be sorted in due course. It’s a stand off but neither organisations can live with it. Ironically my bank has just announced it’s moving from visa debit cards to master cards. Not sure why they don’t say. Money I suspect!
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I also fully expect it will get sorted, just wanted to make sure I get my discount.
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Exactly :lol:
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I've not had a VISA credit card for years, who still provides these?
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I've not had a VISA credit card for years, who still provides these?
Barclaycard, Nationwide, Jaja, Tymit, Coop/Smile, First Direct, Vanquis, most HSBC UK credit cards..
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actually a lot of banks are in the process (or have already completed) of moving from Visa debit to Mastercard debit.
RBS are currently in the process at the moment.
it seems even the banks no longer like to deal with Visa.
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Although I use Visa (Barclay Visa Credit card) and have Prime, I dont appear to have the offer.
I made some purchases yesterday using my credit card as usual to see if it prompted anything but all I can see is this which doesnt have the £20 discount. I dont mind swapping to a different card.
We’re writing to notify you of an upcoming change to Amazon.co.uk.
Starting 19 January, 2022, we will unfortunately no longer accept Visa credit cards issued in the UK, due to the high fees Visa charges for processing credit card transactions. You can still use debit cards (including Visa debit cards) and non-Visa credit cards like Mastercard, Amex, and Eurocard to make purchases. Please update your default payment method now, or add one of these new, eligible payment methods if you do not have one.
You can update your Prime membership here, and if you have any subscriptions on Amazon.co.uk, you can update them on the ''manage your subscription'' page here.
We know this may be inconvenient, and we’re here to help you through this transition so you can continue enjoying Amazon’s low prices and wide selection. Please visit this help page for more information on payment methods, or go directly to your account.
Update your account now
What date did the emails that others get go out? I'll try going through my junk mail again.. I get an awful lot and my mailbox is horrendous atm with being in hospital again for several weeks, but I cant see anything from scanning through.
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actually a lot of banks are in the process (or have already completed) of moving from Visa debit to Mastercard debit.
Many banks tend to change card issuer every decade or so, as Visa/MasterCard offer them a better deal then their incumbent.
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Although I use Visa (Barclay Visa Credit card) and have Prime, I dont appear to have the offer.
Your default payment method on Amazon needs to be a Visa credit card.
I've had similar from Amazon in the past, 2 x £5 and 1 x £10, for changing my default card from Visa to MasterCard. That offer was for both credit and debit cards.
I always change my payment method back to Visa for that reason.
This offer is specific to credit cards.
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Although I use Visa (Barclay Visa Credit card) and have Prime, I dont appear to have the offer.
it's only if the visa credit card is your primary payment method.
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Your default payment method on Amazon needs to be a Visa credit card.
It is - See the email C&P abov which they sent, specifically asking me to change my default card
That account is the only card details they've ever had on the account.
it's only if the visa credit card is your primary payment method.
It is, as I specified in my post "Although I use Visa (Barclay Visa Credit card)" and also hence me copying the email they sent yesterday, which is the first I'd seen. :(
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I asked if anyone knew when they got theirs please, so I could double check through my folders/spam folder. Being in hospital for best part of a month and having rec'd in excess of 1k mail during that period, it may help me narrow it down.
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ETA - Here you go, screen cap from my wallet where it quite clearly shows default Visa Credit card.
I've done a search on my mail and not found anything.
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Kitz I posted this thread yesterday which is when I got the email, I think it only became public knowledge this week, maybe only yesterday. You can use any debit card or Mastercard and AMEX if you have them. This only applies to cards registered in the UK because after Brexit the cap on charges to companies like Amazon does not apply now and I believe VISA is planning to increase it (if it hasn't already).
Stuart
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Damn I wanted to let everyone know this.
Seems the two giants have fell out with each other.
Well I took advantage and claimed my £20 on Amazon just for simply adding a 2nd debit card.
For those who dont have the offer, I suggest you remove any master card or debit cards which might trigger Amazon to beg you to readd them.
At first I thought was a bit odd, I went there to order a SSD, and seen it on checkout, it made no sense why would they pay me £20 just to add a card, I googled and then found news of the fallout
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Kitz I had no email, the offer was shown to me on the screen before choosing payment. Since my main debit card was already added, I added my virtual revolut card which it accepted. Also as chenks said my primary was and still is set to a visa credit card.
Add something to basket and check for a small blue box. Similar size to their amazon credit card offer box.
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apparently if you switch your amazon account to a business one you can continue to keep using Visa credit cards after the January date.
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apparently if you switch your amazon account to a business one you can continue to keep using Visa credit cards after the January date.
Any disadvantages of switching a personal account to a business one, I'm not a business.
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I have added my VISA debit card as my primary one and got £20 credit ;D spent 15.99 on some stuff I needed anyway so £4.01 left ;)
I have no idea about the business account but would be suspicious about using one.
Stuart
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I have added my VISA debit card as my primary one ...
...
Stuart
I'd still want a credit card as my primary as you get legal protection on any purchases over £100, which is not the case with a debit card.
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For reference i deliberately kept my visa credit as primary and even used it to pay for the order as I noticed is another box begging me to change the default, I am hoping if I leave it long enough and the visa dispute doesnt end maybe they will pay me to change the default. :)
They paid me £20 to add the card, not to set it as default, I will do it for another £20.
If the issue doesnt get resolved, I luckily do have a master card credit card I can use for large purchases.
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I'll only use the debit card for low cost purchases. The stuff I want which is over £100 I'll use the credit card until or if it is resolved. If the spat is not resolved then I wont buy anything expensive, I'll go elsewhere.
Stuart
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Ironically it set my debit card as default and for some reason my bank just refused the transaction, so I switched it back to the credit card.
I'll only use the debit card for low cost purchases. The stuff I want which is over £100 I'll use the credit card until or if it is resolved. If the spat is not resolved then I wont buy anything expensive, I'll go elsewhere.
Stuart
Exactly. Fortunately I was lucky to have mostly paid off that credit card this month so will likely have more money in my bank account than I have for a long while, but its the principle of the thing. I don't have a credit card to NOT use it, what Visa does and does not do is not my concern unless companies start charging me that fee (which they might now we do not have EU law to stop it).
I often use Amazon just because its easier and I've had good experiences when a product fails years down the line, supposedly under manufacturer warranty but the manufacturer is being awkward, or expecting me to pay to ship the product to Europe for RMA. Plus the not having to mess around entering payment details into a retailer I haven't used before, if they sell the same item on Amazon. Sometimes the same retailer even charges less on Amazon. But if I can't use my credit card, those benefits are largely nullified.
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me. I haven't paid any interest on either of my cards for nearly 20 years. Then you have the people who bounce their credit from card to card.
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me. I haven't paid any interest on either of my cards for nearly 20 years. Then you have the people who bounce their credit from card to card.
Not to worry, I've probably paid your share. ;)
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me. I haven't paid any interest on either of my cards for nearly 20 years. Then you have the people who bounce their credit from card to card.
I first got my credit card in the early 70's when Barclays just sent them to their customers and I thought great and spent up to my credit limit of £200 ::) then the government upped the minimum pay back which I could not initially afford, eventually within about a year I paid it off and since that day I have always paid in full every month without fail. Hard lesson to learn and one I've never forgotten. I've also never had an overdraft ::) Anything we have wanted over the years has always been saved for, the only debt I had for 25 years was a mortgage!
Stuart
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I wonder if the banks are going to say anything about this. My bank changed to Visa a few years ago, so its visa debit and visa credit cards.
So this decision just cut the visa credit card out of trade. I noticed even mastercard are attacking amazon too.
I'll hang on until the last moment before I change things.
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Yes the banks will change card issuer if the fees go too high. My bank appears to have done exactly that.
RBS is changing from Visa to MasterCard. I assume NatWest will be doing the same. They sent me a letter informing me about 2 weeks ago.
No idea if it's related to this increase in fees but I've had the account coming on 20 years and think it's always been with Visa.
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me. I haven't paid any interest on either of my cards for nearly 20 years. Then you have the people who bounce their credit from card to card.
I've also never paid interest on credit cards. We did some major renovations a few years back and the costs went on the credit card, and then I moved it to a 0% card, I still have circa £10k on a credit card, at 0% of course and the money is sat in premium bonds (earning me about 1.5% a year) should I need to pay it off in a hurry. When the 0% runs out I just move it to another 0% card ;D
You do have to be on the ball though, otherwise it could get very expensive very quickly.
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me.
Card issuers still make money from retailers, even if you don't pay any interest
RBS is changing from Visa to MasterCard. I assume NatWest will be doing the same. They sent me a letter informing me about 2 weeks ago.
No idea if it's related to this increase in fees but I've had the account coming on 20 years and think it's always been with Visa.
Yes, both Natwest and RBS are in the process of moving their debit cards to MasterCard. Most banks change issuer from time to time when the competition offers them a better deal.
The Natwest Group used Switch debit cards between 1988-2002, at which point Switch merged with Maestro (owned by MasterCard) and then started issuing Visa debit cards from 2009 (along with most other UK banks which had previously used Switch/Maestro)
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I've also never paid interest on credit cards. We did some major renovations a few years back and the costs went on the credit card, and then I moved it to a 0% card, I still have circa £10k on a credit card, at 0% of course and the money is sat in premium bonds (earning me about 1.5% a year) should I need to pay it off in a hurry. When the 0% runs out I just move it to another 0% card ;D
You do have to be on the ball though, otherwise it could get very expensive very quickly.
Not just on the ball, once you've trashed your credit rating like I did when I got my first job, its hard to go back as the only CCs you can get with a bad rating are high interest without those 0% deals. Although Barclaycard did offer me a 0% balance transfer last year after I'd paid off that card, but that card doesn't have nearly a high enough credit limit to transfer everything off my main card at the time. Still, it helped.
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I guess the reason the card companies charges to the suppliers like Amazon are high is because of users like me. I haven't paid any interest on either of my cards for nearly 20 years. Then you have the people who bounce their credit from card to card.
Indeed they have other costs as well.
When the EU capped charges, it coincided with a glut of 0% offers been removed from the market.
The costs Amazon pay even at the rate they moaning about is still low, they get lower costs vs smaller retailers. I believe if they moved their financial hub for UK sales into the UK they wouldnt have the problem, correct me if I am wrong. :)
I still think this will get resolved, Amazon just flexing its muscles to push Visa into a backdown, I expect both companies will compromise a bit.
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@chrysalis. I’m sure your right. Even though other posters have confirmed banks like RBS and Natwest are going to move to Mastercard, neither can manage without the other it’s a fact of the commercial world. It’s a stand off, but both organisations need customers who generally won’t change providers to suite a retailer!
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As I suspected this has been cancelled, or at least postponed, email received this morning.
Dear Amazon user
The expected change regarding the use of Visa credit cards on Amazon.co.uk will no longer take place on January 19. We are working closely with Visa on a potential solution that will enable customers to continue using their Visa credit cards on Amazon.co.uk.
Should we make any changes related to Visa credit cards, we will give you advance notice. Until then, you can continue to use Visa credit cards, debit cards, Mastercard, American Express, and Eurocard as you do today.
Thank you for being an Amazon customer.
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Amazon rejected all of my Mastercards as not valid for the £20 promotion, so I just left my Visa Credit Card as default.
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I did change mine to a VISA debit card and got the £20, now I've just changed back to my VISA credit card!
Stuart
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As soon as I got the £20 voucher, I changed mine back to my Visa card.
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As I suspected this has been cancelled, or at least postponed, email received this morning.
Figures, I just hope that doesn't mean Amazon gets a favourable deal to everyone else as that's downright wrong. They already have so many logistical advantages compared to smaller businesses.
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As predicted I think its been abandoned.
Just ordered something on my phone, the message was cut off, but it said next to my credit card "the expected changes will no long...."
I also two days ago had an email from virgin money they were in talks with amazon.
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I see ronski already beat me to it, but I will keep this here anyway so I feel good. Like ronski I kept my credit card as my payment method, as they only paid me to add a debit card and nothing else.
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Came here to say similar. I never did get an email with the offer. Despite contacting them they still said they couldnt do anythng unless I received the email. I was a tad peed off to say the least as Ive been a customer since about 1997. So I didnt change anything
About a week later when I was looking at buying somethingch I put in my basket. Then when checking my order I noticed an advert at the top of the screen for £20 after I updated by card details. Which Iid and I got a £20 voucher off m.y next spend with them. O pnly had to change details in my main account - Not prime. I was waiting to see if they sent another one for my Prime,
The expected change regarding the use of Visa credit cards on Amazon.co.uk will no longer take place on January 19. We are working closely with Visa on a potential solution that will enable customers to continue using their Visa credit cards on Amazon.co.uk.
Should we make any changes related to Visa credit cards, we will give you advance notice. Until then, you can continue to use Visa credit cards, debit cards, Mastercard, American Express, and Eurocard as you do today.
Thank you for being an Amazon customer.