Risk of hassle with card payment in Skånetrafiken's app

The new EU directive, PSD2, Payment Service Directive 2, will take effect from Saturday 14 September. The EU directive affects all card payments in all industries, not just Skånetrafiken's card payments. Ultimately, it is the banks that regulate how the customer can use their debit cards in apps and in stores.

What exactly is it that can make it difficult for Skånetrafiken's travelers when they buy tickets in the app?

- For those customers who have linked their debit card to an app, it may mean that they need to enter both card number and CVC code for each purchase. It may also mean that they need to identify themselves with Bank ID, says Thomas Johansson, at Skånetrafiken's press service.

Can stroll when buying in-app

Does everything work as usual and is it trouble-free if you pay by invoice, Jojo card or debit card on bus, in automatic and over the counter?

- Yes, since the EU directive only affects payment by debit card and nothing else.

As a traveler, what can you do now to avoid any hassle and prepare for the transitions?

- Buy unactivated tickets in the app today and activate them in connection with the trip.

If you usually buy a ticket or a monthly card with your bank card via the app and it is connected to Klarna. Can you avoid any hassle by already connecting the bank card to PayEx in your app instead?

- We have three apps: Travel Planner, City Ticket and Skånetrafiken. For some customers, card payment can be completely hassle-free. For others, it can be tricky. We do not know the extent to which some of our customers are affected, as it is with the banks, says Thomas Johansson.

If travelers using the Travel Planner or City Ticket apps are denied card payment, Skånetrafiken recommends making an invoice payment via Klarna instead.

Travelers who use the Skånetrafiken app can happen because card payments are suddenly denied by the bank. Then Skånetrafiken suggests that you either change payment methods to invoice via Klarna or to card payment via PayEx. Even with PayEx, there can be problems during a transition phase. If the ticket purchase does not go through, it may be because the customer's BankID does not respond to PayEx, which in turn may mean that you have to re-enter your card details with each purchase.

How long can these difficulties in buying tickets with cards in your apps last?

- We work intensively to make card payments via PayEx work as quickly as possible. At the turn of the year, we will only offer PayEx. But for some customers, who do not have a Swedish social security number or a Swedish bank account, it may take longer.

What happens to travelers who have not been able to renew or pay for their tickets via the app in the next two weeks?

- Everyone can buy tickets in the app, as long as they choose a payment method that works for them.

Where should you turn if everything runs in heaps and you do not sort out your ticket purchase?

- You can contact our customer service and make direct contact with PayEx, says Thomas Johansson, Skånetrafiken's press spokesperson.