Pay At Pump Sainsburys Fuel. £100 ringfenced.

[standardpostage]

I thought that they kept £100, (under the new rules) and then refunded, at a later time / date, minus the fuel served.
They reserve / ringfence £100, then give change, minus cost of fuel.
Basically they just check you have £100 in your account.
When I got home, checked my bank account, only fuel dispensed £40 had been taken out 
They say "this is to help us" control our finances 
Just letting you know, in case anyone's not sure, how the system works.

[GingerNuts]

It will usually happen the way you've posted but occassionally the ringfenced amount won't be released immediately.

External Link/Members Only

Under new industry requirements mandated by VISA and MasterCard, self-service pumps at Sainsbury’s Petrol Forecourts will request a £100 pre-authorisation amount before starting the fuelling process; this is to ensure that customers have sufficient funds to cover the cost of fuel dispensed.

When the transaction has completed, the Pay at Pump terminal will send a message to your bank with the actual transaction amount which will be charged to the customer; the pre-authorisation amount will be almost immediately released back to the customer’s account.

The introduction of this change means that the customer will almost immediately see the actual value of fuel dispensed in their bank account.

Previously, customers had a £1 pre-authorisation taken from their account to confirm that their card was valid before they began to fill up. The exact cost of the fuel would then appear on the customer’s account typically one or two days after the transaction, which could make it difficult for customers to track available spend.

Although the ringfenced amount on a customer’s card should be released at the point of completing the transaction, there are occasions that this may not happen as quickly as the customer expects. Mobile banking apps and online banking can sometimes take time to refresh and not provide the true real time information.

If you are concerned in these circumstances, as a customer, you should contact your issuing bank for guidance as they are fully aware of the change and will be able to advise you

[myothernameis]

So what happens if you only have £50 in your bank account, and the petrol station tries to ring fence £100.   You want £40 of petrol, so will you be able to get your petrol

[GingerNuts]

So what happens if you only have £50 in your bank account, and the petrol station tries to ring fence £100.   You want £40 of petrol, so will you be able to get your petrol

External Link/Members Only

What happens if the customer doesn’t have £100 in their account? 

If a customer’s account balance is less than £100, this is communicated to the petrol pump by their bank or card company, enabling only that amount of fuel to be dispensed. The pump will then automatically cut out once the customer has reached the approved amount. 

[lillythesavage]

So what happens if you only have £50 in your bank account, and the petrol station tries to ring fence £100.   You want £40 of petrol, so will you be able to get your petrol

Just pay at kiosk after filling up, god we are so lazy these days, on one occasion I did not get the fuel I paid for, at an Asda, did not realize until I was way down the road and the light came on. 

Another annoyance is filling up and no paper in it for a receipt, stopped using them altogether, the 10 yard walk is good for me and guaranteed to get the required receipt.

[daviemac]

Just pay at kiosk after filling up, god we are so lazy these days, on one occasion I did not get the fuel I paid for, at an Asda, did not realize until I was way down the road and the light came on. 

Another annoyance is filling up and no paper in it for a receipt, stopped using them altogether, the 10 yard walk is good for me and guaranteed to get the required receipt.

To do that at my local Asda you would first have to build a kiosk then persuade them to employ someone to man it. 
 I always click no for the receipt. The pump does state only a max of £100 can be drawn but I've only ever been charged for the fuel taken.  In fact I get a notification of the amount I've authorised on my phone almost immediately.

[lillythesavage]

To do that at my local Asda you would first have to build a kiosk then persuade them to employ someone to man it. 
 I always click no for the receipt. The pump does state only a max of £100 can be drawn but I've only ever been charged for the fuel taken.  In fact I get a notification of the amount I've authorised on my phone almost immediately.

Asda are mostly pay at pump only I think, so I now avoid them and use Sainsbury locally and never the pump pay option any more. Diesel I get from a local haulage company.
The receipt thing is annoying when not in my own cars, have to supply them or pay myself 

[WelshClipper]

Few years back I would always see a pending hold of £70 on my credit card. These days it shows as a £0 before I fill up. Then by the time I get home it shows the actual amount.

There is no need to put a hold IMV, once authorised it makes no difference. Seems now the petrol companies for once agree with me   

[Gordon Bennett]

So what happens if you only have £50 in your bank account, and the petrol station tries to ring fence £100.   You want £40 of petrol, so will you be able to get your petrol

It'll just spit your card out and you won't be able to get any petrol. Well that's what happened to me at Costco when I shoved a card in for an account that only had £80 in it. I was a bit confused but just shoved a different card in for an account with over £100 in it.

Also, at Costco it's fully automated - no kiosk to pay in. Ditto my local Asda. Kiosks are not always an option.

[GingerNuts]

It'll just spit your card out and you won't be able to get any petrol. Well that's what happened to me at Costco when I shoved a card in for an account that only had £80 in it. I was a bit confused but just shoved a different card in for an account with over £100 in it.

Also, at Costco it's fully automated - no kiosk to pay in. Ditto my local Asda. Kiosks are not always an option.

It's unlikely your card was rejected because there was less than £100 in the account.

External Link/Members Only

If your account balance is below £100, for example £50, this would be communicated back to the fuel pump by your bank enabling that amount of fuel to be dispensed. This means the pump will automatically cut out once you have reached the approved amount (or before if you choose to dispense less). This is called ‘partial authorisation’ and ensures you can get the fuel you need.

[lillythesavage]

It'll just spit your card out and you won't be able to get any petrol. Well that's what happened to me at Costco when I shoved a card in for an account that only had £80 in it. I was a bit confused but just shoved a different card in for an account with over £100 in it.

Also, at Costco it's fully automated - no kiosk to pay in. Ditto my local Asda. Kiosks are not always an option.

That is why I will not use them, if there is no paper I could be out of pocket for 100 quid. 

[Gordon Bennett]

It's unlikely your card was rejected because there was less than £100 in the account.

External Link/Members Only

It's exactly why it happened. It worked a couple of weeks later when I had the money in the account. At the time, after I checked the card's banking app to see if I'd been erroneously charged I had a notification along the lines "transaction declined, insufficient funds".

The only confusing bit was there was no reason or info given at the pump. Initially, I'd assumed I'd tapped out wrong PIN or put card in backwards despite being quite sure I'd done neither. After then slowly and carefully inserting card and doing PIN and it still spat my card out with no reason stated I gave up with that card. That particular pump was out of receipt paper, it's conceivable that I might have received a transaction void receipt otherwise.

This was a Mastercard BTW.

[GingerNuts]

It's exactly why it happened. It worked a couple of weeks later when I had the money in the account. At the time, after I checked the card's banking app to see if I'd been erroneously charged I had a notification along the lines "transaction declined, insufficient funds".

The only confusing bit was there was no reason or info given at the pump. Initially, I'd assumed I'd tapped out wrong PIN or put card in backwards despite being quite sure I'd done neither. After then slowly and carefully inserting card and doing PIN and it still spat my card out with no reason stated I gave up with that card. That particular pump was out of receipt paper, it's conceivable that I might have received a transaction void receipt otherwise.

This was a Mastercard BTW.

It makes no difference if it was Mastercard. When was your pumping adventure?

[JontyR]

Never noticed this. Oen thing I did have though was when I filled up with my card, I then went and filled up a hire car that I was using for work the next day, it told me that I only had an authorised amount of £99 minus my first trip. So iwas limited the amount I could buy on any one car in one day from the same vendor.

[ppunterr]

At the rate that petrol prices are going up, £100 is soon not going to be enough to fill a car so I guess this £100 they pre-authorise will be going up. Already, it costs me £90 for a complete fill up and my car is just an average 2.0 saloon.

[Adoniron]

To do that at my local Asda you would first have to build a kiosk then persuade them to employ someone to man it. 
 I always click no for the receipt. The pump does state only a max of £100 can be drawn but I've only ever been charged for the fuel taken.  In fact I get a notification of the amount I've authorised on my phone almost immediately.

Asda are almost all pay at pump as are some Tesco. Sainsburys and Morrisons usually have a kiosk.

[petermisc]

Sounds like the same kind of thing as happens at many hotels.  When you check-in, they take a pre-authorisation from your card, then when you check-out they deduct the amount you have actually spent.

[standardpostage]

Sounds like the same kind of thing as happens at many hotels.  When you check-in, they take a pre-authorisation from your card, then when you check-out they deduct the amount you have actually spent.

Interesting. Didn't know that, cheers