From curve
Important Curve update: transaction declines
This weekend we identified a bug with one of our partner systems that is causing declines on CNP (Card Not Present) transactions - when you try and use Curve online or over the phone. This is also leading to declines on spend that totals more than £200 in a day across all types of transactions.
Our partner is working really hard to resolve the issue, but in the meantime, please do not use Curve for online or over the phone payments, and be aware that you may have issues with higher spend amounts.
We’ve been assured a fix will be in place by Wednesday 27th April but will keep you updated. Please be reassured that any declines that have not been immediately refunded will be queried with the merchant directly. The refund will then be automatically processed - please note this can take the merchant up to two weeks to complete.
We’re really sorry for any inconvenience caused - thank you for your patience as we work to resolve this.
Thanks,
Team Curve
The language used suggests that payments have actually been taken from the funding card despite the transaction being declined, but it will be "refunded" in 2 weeks. The money has gone from Amex,not gone to the merchant, so who knows where it is. If my £1400 of declined transactions hit my Amex as proper charges, I will be disputing them and let Amex sort it with Wire. I am not going to be used as Curve's RCF provider.