The credit institutions themselves are behind the girocard payment.If the customer enters his card in the dealer in the business, a data connection to the bank will be built up from there.It is checked within seconds whether the necessary credit is on the account.Until a certain amount, some banks even do without this exam so that the cash register is faster for the dealers.Now the payment process can fail at several stations: the terminal, i.e. the payment station, can have quirks, the data connection can be defective - or the card itself.According to Hönisch, the fact that the payment fails due to the latter is the most unlikely case."The most common reason that it goes wrong at the cash register are operating errors - if, for example, the cashier enters something wrong," says Hönisch.He estimates that mistakes of this kind are responsible for half of all embarrassing episodes on Germany's supermarket coffers.In second place in the ranking of the causes of errors: The terminal on which the card was entered is broken.This occurs in about a third of the cases, estimates Hönisch.In third place in the most common problems, but with about 15 percent frequency, but far behind: the chip on the map is broken.
Men: Cutting your wallet out of your pocket!
The latter, especially men happen today, reports Hönisch.Because they like to carry their wallets with them in their back pocket."When the wallet bends and a piece of money presses onto the chip, it can break," he says.Compensating justice: Until a few years ago."Because the magnetic strips that once emblazoned on the back of the cards often did not get along with the magnetic closure of typical women's handbags," says Hönisch.The result: The data on the map has been deleted or changed, the connection for the payment process did not come about.Overall, the payment cards have become more durable in recent years and have lasted four years today, says Hönisch.However: "You should not end up in the washing machine today."
