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Cannot register credit card

Murdee
Investigator

Cannot register credit card

My current credit card has expired and despite multiple attempts via the website and over the phone I have been unable to register the details of my new one. The number is the same as the previous card I had registered, so all I should have needed to change were the expiry date & CVV number. Yet every time I tried, I was repeatedly informed that my address was "invalid". Don't know how this is possible given these were the details that were already registered and I didn't make any attempt to change them. So after countless attempts I realised it wasn't allowing my address because there's an apostrophe in it... ridiculous. I removed the apostrophe and it appeared to register the update to my card, but upon trying to top up I got the message saying it was unsuccessful.

 

I tried via the phone and - after numerous transfers and waits on hold - was advised to delete my existing card rather than trying to edit the details of my existing one, and register my card as a new one instead. I don't see why this was necessary considering every other time my cards expired I just updated them. But I did that anyway, and upon deleting the card I realised that there was no way to actually register a new card on its own - I have to register and then top up straight away. I don't need to top up, I just want the card assigned to my account so when I do need to use it, I can do so without any hassle. Regardless, I tried topping up by €10 and again was informed that it was unsuccessful.


I rang support again earlier, explained all of this and had them eventually add the card to my account manually. Was told it was successful and I could top up straight away if I wanted, but now several hours later there is still no card assigned to my account.

 

Out of all the companies/websites I have my card registered with, this is literally the only one that's given me this - or any - amount of trouble. I've been an 086 customer for 20 years and I'm genuinely considering switching networks because of this, extremely frustrating.

22 REPLIES 22
LauraH
3 Mod Retired

@Murdee Good afternoon! This is not what we like to hear and I'd love to pass this onto MiPay with your permission? If you're happy for me to do that pop me a PM with your phone number, full address and date of birth to get the ball rolling. 

 

 

@Murdee Thanks so much for sending through your details by PM. I reached out to MiPay as promised and they've advised that when you next top-up the card details can then be saved 💪 Be sure to let us know how it goes 😃

 

 

Thanks for the reply - I again tried to register my card and top up but just got the same messages as before; first, that my Address Line 1 was invalid, and then when I removed the apostrophe to bypass that, "Oops - Your registration and top up has not gone through. -  Please try again in a few hours or visit Help and Support for assistance."

 
I waited about an hour and tried again - entered my details and again got the invalid address message, again removed the apostrophe and went through to card details. The interface looked a little different here but I went through it anyway, selected to top up by €10 and it went through successfully - however it was only after it went through I realised that the site had logged me out without notifying me, and while the top up was applied, my card details weren't saved.
 
So I logged back in and went through the same process again - put in the exact same details that just allowed me to top up a few minutes previously when logged out - and again, "Oops." So it seems I can top up using the card I'm trying to register, but only when I'm logged out. This is not a solution, I can't keep putting my card details in every time I want to top myself or anyone else up.

@Murdee Thanks for trying that for me and for the detailed update, I appreciate it. I've fed back your update to MiPay and I'll be back as soon as I have news for you 👌

 

 

@Murdee MiPay have just reached out to let me know that they saw what was causing this and have rectified it on their side. Next time you're ready to top-up let me know how it goes 👌

 

 

Thanks for the reply - I tried again this evening to top up but still having issues. I put my details again on the registration screen (leaving out the apostrophe on the address line), it accepted them and went through to the top up screen - I selected €10 and the card and after a few seconds got a similar message to before - "Oops - Your registration and top up has not gone through. Your bank has declined the payment request. Please contact them to find out why, or try again with another card." This is slightly different to the previous message that told me to try again in a few hours, so it seems something has changed at MiPay's end.

 

However I contacted the bank and there is no restrictions or blocks on my card, and also registered the card on a different website later this evening and made a purchase using the same details I'm using here. As soon as I put them in, I got a confirmation request via my banking app, approved it and the purchase went through fine. So my card is working as it should be, the problem is with Three/MiPay. This has been going on for close to a month now, it shouldn't be this difficult to register a card.

@Murdee I get your frustration here, I thought we had it that time! I promise I'll do all I can to get this fixed for you. Leave it with me 💪

 

 

@Murdee I haven't forgotten about you! I'm working with the team on this and as soon as I have solid news I'll let you know. 

 

 

I have tried multiple times over the last few days and each time been met with the "bank has declined the payment request" message - I contacted the bank (again) just in case to see if they had declined any transactions or put a specific block on Three because of all the failed attempts, but they confirmed nothing had been declined and the only interaction from Three was the top up that went through when I was logged out.

I have also used the card several times both in-store and online with no issues, so I'm not sure what could be causing the issues here, has there been any update yet from MiPay?