Whoever invented and made Visa Electron a reality should be tarred, feathered, strapped to the end of a bullet-train with a bungee cord and sent away for eternity.

The concept in and of itself is not bad at all. Plain and simple, you have a card which is attached to your bank account which verifies each purchase before allowing it, preventing you from overdrafting. It’s great for people with low income and especially for children. In theory.
The problem arises from the fact that each transaction needs to be verified, as the register needs to call the verification center and check that you have enough money to pay for your purchases. Consider the fact that we’re only a few days from Christmas. EVERYBODY is shopping right now! Apparently the connection between the store I work at and the verification center is dated, and buckles under the traffic coming from everywhere else. To put it simply, Visa Electron gets hung up on now by the verification systems. It’s either excruciatingly slow, or it just won’t go through (after trying for a few minutes). And no, it can’t be punched in manually. That would defy the purpose of it, so it can’t be done.
The ingenuity of Visa Electron is also its downfall. When it first came out, all the banks were pushing it on everyone, praising how great it was and that everyone needs to get one. It’s impossible to overdraft! Guess the banks kinda screwed that one up…
So, to warn customers beforehand that Visa Electon does not work, we’ve put up signs to inform people of this unfortunate fact. You see the sign, realize that you don’t have any other forms of payment, so you leave your shopping with the cashier and go to the ATM. Pretty simple, right?
Some people just don’t get it. Whenever things go ’round the bend, we get these gems from customers:
- Why won’t you accept my card!?
It’s not a question of not accepting your card, but more so that the connection to have your purchase verified is busy or offline right now. Although we do typically accept your card, it cannot be used right now. We apologize for this inconvenience. - Why doesn’t it work?
Because we want to make your shopping experince as arduous and annoying as possible! No, it doesn’t work because the phone lines to the verification center are jammed, as everyone is shopping right now. Allow me to give you a similar experience as an example: have you ever tried to call your doctor or hospital at 8am during an outbreak of influenza and tried to book an appointment? Been waiting on hold for your turn forever as all operators are busy right now? Same thing.
Here’s another example: you ever try to book tickets by phone to the biggest movie of the year on opening night and had to wait your turn for ages? Same thing.
The only difference between the two examples above and the verification scenario with Visa Electron is that there is a certain amount of time the register will try to get through before giving up. It can’t stay on the phone forever. - It says at the entrance to the store that you accept it, so you have to take it!
We do accept it! It’s. Just. Not. Working. Right. Now. The sign indicating the cards this store accepts mean that yes, we do accept those cards. But, if, for whatever reason, a particular card is not working at this very instant, that does not mean that we’ve stopped accepting it wholly. Right now it’s just not working. Hence, I can’t take your card at this very moment. - But it works everywhere else!
Well this store is not everywhere else! Every store has their own connection to the verification center, leading to some stores being put on hold while others get through. I’m not an engineer so I can’t tell you the intricate technical workings of this, but I do know that some stores have a faster and more stable connection than others. - Just enter it manually!
Due to the nature of Visa Electron, I cannot do that, nor am I allowed to. Entering your card information does not verify your account balance. Even if it does, it’s just a slower way of your card not working. - You should’ve told me it doesn’t work as soon as I entered the store!
Being stretched for workers as it is (and this applies to pretty much every store, not because of lack of workers but because of a lack of available work-hours assigned by the head office), we can’t spare a worker to just stand at the door and greet every customer with “Good afternoon, welcome to Retail World. I’m sorry to inform you that Visa Electron does not work right now. If you have no other form of payment available, there’s an ATM just around the corner.” Nor are the cashiers going to inform every customer about it personally. That’s why we’ve put up signs to inform you. - But it worked yesterday/an hour ago/last week/etc…!
Well that was then, this is now. It’s not like stores have either planned this ahead of time or received a schedule of when the lines are jammed. At best it’s akin to shooting in the dark, trying to hit a penny on someone’s head. - I don’t another card/cash, so I get all this for free, right?
You don’t seem to understand the concept of for-profit business? A slight inconvenience, which I might add is not the stgore’s fault, and the first thing you want is something for free. So to answer your question, NO! Welcome to the real world, chum! - This happens to me every single time I’m here! This store sucks/I should get a discount!
First of all, I think you’re exaggerating. But, if it really does happen to you all the time, please know that it is not intentional. Oh, if it happens to you everytime, why don’t you start carrying cash? What was that? You need the 200 euro bill in your wallet for parking money? Well, in that case, I guess you can’t buy these items then. As for a discount, nope. Not gonna happen. - What are you going to do about it?
Um, nothing. It’s not my fault it doesn’t work right now. There is no one I can call, there’s nothing I can type into the computer to make it magically work. I cannot affect this unfortunate turn of events right now. All I can do is apologize, hope you have other form of payment, or hold on to your purchases while you run to the ATM.
For the sake of relating to this post, I have two Visa Electron cards from two different banks. I was suckered into believing that they’re they new world order. After working all of this Christmas, I’ve had enough of the malfunctions. I’m getting a bank and a credit card…
Computers aren’t perfect yet. Malfunctions, errors, system crashes, and such occur every now and then, and there is nothing the cashiers can do about it. So how about you be understanding and not have a behavioral malfunction about it? Thank you!
If you have a story relating to this post, from either side of the counter, or anything to add to his chapter of The Consumer Etiquette Guide, let’s hear it!
The customer is NOT always right. If you agree with this, or wish to know what to do and not do as a consumer, please subscribe to this blog’s updates by the way of the RSS feed or email subscriptions. Thank you for shopping at The Consumer Etiquette Guide, now go and make someone have a nice day at work!
Posted by Jani
Posted by Jani 
Posted by Jani 



