Pay at Pump FAQ

What’s changing? ​

Previously, all Pay at Pump transactions were authorised by requesting a £1 transaction from your card issuer before taking payment for the value of the fuel 1 to 3 days later.

Under new rules implemented by Mastercard, Visa and American Express, we must now request authorisation from your card issuer for up to £99. Once you’ve finished filling up, the final transaction amount is sent to your card issuer, and the remainder of any unused funds up to the maximum filling amount will be released back to your available balance. We’ll only ever charge you for the value of the fuel you’ve actually purchased.​

We are currently trialling this change in selected locations. So you may find this payment change happens at one petrol station but not at another. ​If you have a problem with a payment, please contact your bank that issued the card, as this new payment rule is not under our control.

What happens if I don’t have £99 in my account?

If your account balance is under £99, your card issuer should respond with the lower amount they’ll allow, and the fuel pump screen will show the value you can fill up to.

​Some card issuers might not allow partial authorisations below £99. If this happens, please try another payment card.​

Why is this change being made?

These rules have been changed by Mastercard, Visa and American Express to help cardholders to keep control of their budgets in real time.

We also know that many customers can’t use our Pay at Pump service because their card issuer declines the £1 pre-authorisation transaction. This change should allow those customers to use this service.

Why does my bank account statement still show a £99 transaction?

There may be a small number of occasions where your card issuer doesn’t update your balance in real time. We’ll only ever charge you for the value of the fuel you’ve purchased, but if you do have concerns, please talk to your bank for further details.

I have enough funds in my account, so why is Pay at Pump limiting me to a lower amount?

Our colleagues can’t discuss individual issues relating to your account details or available balance. To maintain confidentiality in these situations, please talk to your bank.

Where can I find more information?

For more information about this change, please talk to your card issuing bank or read more from Mastercard, Visa or UK Finance web pages.