(10 Oct 2023, 3:28 pm)Retro Nero wrote Contactless declines mainly because it's been used as contactless for a number of times and you haven't used the PIN number for quite a while. This is one of many reasons. The company don't collect the payment until the end of the day (roughly just after midnight) so it's not declined because of funds in your bank.
Used contactless at a Northern Rail ticket machine a few weeks back. Was rushing and picked the first card I had.
Didn't realise it was the one without any funds in, as opposed to the one that did have funds in.
The machine accepted the card (was only a £4 odd Duo fare) and minutes later, I got my sms from the bank to let me know I'd gone over my overdraft limit.
I wondered at the time, whether travel is actually allowed in those situations, rather than simply declining the card and therefore travel.