App-only bank Monzo is down for some users

Ozone Monzo

LONDON — App-only bank Monzo has run into technical difficulties, with some users reporting payments are being declined on Monday.

Multiple accounts on social media said that its distinctive orange cards are being rejected in stores, and some online payments are also affected — mine was just rejected for an Amazon payment, for example.

Not all Monzo customers are affected, however: Two Business Insider employees say they were able to buy their lunches with no issues.

@monzo you guys having an issue with your payments provider? Got declined twice today.
— Bruno Belcastro P. (@argen) October 23, 2017

@monzo Had card declined in store and at machines, but app says it's going through. What do I do?
— Rosie Williams (@RosieReckons) October 23, 2017

@monzo down again?!😩😩😩
— alex🧐 (@Allavae) October 23, 2017

@monzo having some problems with a few of our cards in Spain are there problems at the minute?
— Adam Clarke (@aclarke93) October 23, 2017

It's not immediately clear whether the technical issues are limited to the pre-paid cards (as mine is), or if current accounts are also affected.

The London firm confirmed the outage on its Status page, writing: "We're investigating some issues at the moment and your card payments may fail. Topping up your card and sending money may also fail. We're working hard to investigate this further and will update you as soon as we can. Thanks for your continued patience."

Monzo has had problems before caused by its technical suppliers — as have a number of other fintech startups. When these suppliers encounter issues, it can leave Monzo unable to process payments.

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