Many customers ask us why they can’t use their thinkmoney Prepaid Debit MasterCard® to pay at the pump. It’s a more convenient way of paying and we know it is widely used at some petrol stations, like ASDA, that are often selling cheaper fuel – so at the very least you’d like to be able to have the option to, right? Well, there’s a good reason why you’re unable to use your thinkmoney card to pay at the pump and here’s why.
The first thing you need to know (if you don’t already) is how pay at the pump works. Unlike a normal transaction, you put your debit or credit card into the card reader at the start of the process before you’ve even put any petrol into your car. Once you’ve entered your PIN number, you are usually given a limit of how much you can fill up the car (for example £70), and you’ll then be able to fill it up to this amount or under.
As you don’t know what the final amount will be until you’ve finished putting the petrol in your car, we wouldn’t be able to guarantee that you’ll have enough funds in your Card Account to make this payment. The thinkmoney Personal Account doesn’t come with an overdraft either, so there would be nowhere else for this money to come out of if you don’t have enough in your Card Account to cover it.
This is the reason why you’re unable to use your thinkmoney Prepaid Debit MasterCard to pay at the pump and it’s partly down to the way the thinkmoney Personal Account works. As you’ll know, there’s two parts to the account – one to hold the money that you need for your regular bills, and the balance which is transferred to your card. Your card balance is “live” and is updated in real time – but as the pay at pump purchase isn’t always taken out at the time of charge, this is another reason why the transaction type is not compatible with the service that we provide.
So that’s why you can’t use Pay At Pump – but of course, if the kiosk is open it doesn’t stop you from using these stations to fill up then paying in the shop.