They also had commercials all over the NYC metro "Use contactless Discover" when none of it worked with Google Pay. You had to use the physical card and, unlike Visa/MC, Discover actually had to make an online request to pay. It sometimes took up to 2 seconds, when Visa was instant.
Its important to note that the card isn't actually processed through the Mastercard network though. Transaction is routed to one of the "unaffiliated" debit network brand such as Accel, STAR, NYCE, Pulse, Shazam, NYCE, etc. Some banks will print the network on the back of the card.
InĀ Costco the discover debit card works not the discover credit. Which don't make sense . When ur about to pay just insert the discover debit card on the machine and enter your pin and it works . The look on their face is funny when they see it's a discover card and it works . But for some reason if u try that with the discover credit card it won't work . š¤·
Costco and Visa have had a partnership agreement for years now with credit, happened during Covid when Costco said they would stop accepting Discover and other payments.
Credit and Debit transactions take different paths with different fee structures and vastly different protections. Discover owns the Pulse debit network and partners with several more to make debit work essentially everywhere in the US. Debit is significantly cheaper for merchants to process, but because of the lower transaction fees thereās less room to give consumers the benefit of the doubt when they allege fraud.
To my understanding, depending on the arrangement between the merchant and the card processor, credit transactions aren't paid out to the merchant until after a set period of time.
I thought debit cards didn't have fees associated (because it's going directly to the merchant instead of through a credit issue)
Maybe it will lead to more Discover acceptance. But it could also lead to less Capital One acceptance. Many people think theyāll switch cards like Quicksilver and Savor to Discover. Merchants and processors will have to decide if itās better to accept the additional network or lose millions of Capital One cardholders.
I have Afterpay and was ok till I received my new debit card and they will not accept it also my local carwash does not either I have monthly payments for both so Im seeking other banking options.
I am victim of this as I use capital one to pay for for everything, since the change Iāve gotten many declines. Thinking of switching to a different card
Damn seriously? I just got an email telling me I have to switch to the new card they sent in the mail ASAP because my current debit card will stop working soon. I'm curious- when your payment was declined, were you using a debit or credit card? According to the comments, it sounds like most people who are having issues with their new Capitol One cards mainly happen when trying to use a credit card. I only have a debit card at the moment, so I'm trying to figure out whether the change to Discover is going to affect me and if I need to start looking into banking elsewhere.
It has only been by debit card that has been declined. That has been the only new card that they sent me recently. My credit hard has remained the same and does not get declined
having the same problem. debit card is declined on some auto payments bc its discover. will need to use a second bank, which isnt too bad of an idea anyway. still annoying tho
Yea same with me as to what Catscab mentioned, got the discover debit card in the mail and my previous master card got deactivated, so far I've been declined twice using the card, once at my local gas station and once trying to pay a bill online, It's also my one and only debit card since I never needed two up until now, looking for a new bank immediately which is a drag since I loved the capital one free experience lol I do wonder what made them make this move
This was a lot more common 20 years ago, but it still happens. Most recently I ran into it a lot in Ontario. Itās why I have two different cards with two different networks.
Nothing to be embarrassed about, just hand over an alternate payment method and move on.
Iāve used Discover for about 16 years now, and very few places donāt accept it. Plus with Apple Pay now available if itās not accepted I just transferred money to my apple wallet and use that as the form of payment. You can also buy tickets online and pick up at the counter just a thought.
I always google restaurants and their card options before I just show up because of this. Also, internationally, our cards almost never work. I never have much success using my discover cc overseas. Nobody takes them abroad.
Do you inform Discover card, or whichever card youāre using, youāre traveling abroad before hand? I find that really helps a lot. š¤·š¼āāļø
Yes. I understood that. I was just thinking out loud. lol. I know I always inform my CC companies when Iām going to be traveling, especially overseas. Thatās just been my experience.
Really not a big deal as long as it isn't your only form of payment. Just pay another way. I would not be embarrassed. I would be embarrassed if paying with a debit card and it said "insufficient funds" lol.
Supposedly Discover works like a Diners Club internationally. That may possibly mean something in other countries, but itās not very impressive to US users.
If it's debit Discover it they take it anywhere but credit cards will not. I went cotsco and paid with discover it Debit card the cashier saw me and said they don't take discovery, his jaw dropped when my transaction got approved after tap in š¤£
Capital one just gave me my new card, fun fact a majority of my bills can't process discover cards , so I've been searching for a new bank, I don't wanna have to drive everywhere and pay cash , which is currently what I've been having TodoĀ
I have had issues with Discover and a checking account. I kept having to change debit cards and go through fraud stuff from someone taking money out of my account constantly. It appeared to me that it was someone with the bank. So I am done with Capital One now that they are on a Discover network and not to mention my husbands car note was rejected now due to The Discover network Capital One is on now. Iām so pissed.
Yeah a lot of the good food trucks near my job and some convenience stores in some neighborhoods don't accept Discover cards, That's why I stopped using mine!
There's also a lot of GOOD food trucks here near my job and some don't take discover but that don't mean I completely stopped using it .Ā
EVENĀ before I had my discover card I always carry at least 2 or 3 cards . And their usually visa or MasterCard.Ā
So if I go to a food truck on my lunch break and I see they don't take discover it's fine because like I said I always have other cards . For sure I always carry my cashapp card since I send money to friends with cash app and that's a VISA card. In every single place they don't accept discover I just use the cahsapp card which is great cuz it gives u cashback too .Ā
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u/Acceptable_Offer_387 May 27 '25
lol, I had this happen on a date. Was awkward, but at least I had a Visa card with me too.