Until yesterday I thought Debit cards are a nice thing but it seems its not.
Yesterday I went to a Insurance Company in Moratuwa to pay my life insurance. I gave my Sampath bank VISA card and the lady swiped it on the machine, a few seconds later she said my card got rejected and it did not print! I had lots of money in it and it was weird. So I gave my NDB VISA Card and the transaction was successful.
When I came home I called the Sampath bank and they told that Rs. 3,512.00 has been charged from my Sampath Card!
I told them what happened yesterday and today and they said I will have to WAIT 2-3 days for the issue to be corrected!!! 
Until then Rs. 3,512.00 is stuck!! What if it was something like Rs. 10,000? I would be bankrupt for 2-3 days!!
Fail safe procedure
1. Validate card (using local algorithm)
2. Contact card Server
3. Send charge amount etc.
4. Validate balance
5. Receive receipt data
6. Print Receipt - if success
7. Charge Account
8. Confirm charge
Procedure used in Sri Lanka
1. Validate card (using local algorithm)
2. Contact card Server
3. Send charge amount etc.
4. Validate balance
5. Charge Account
6. Confirm charge
7. Receive receipt data
8. Print Receipt
So if the receipt data did not come.... the account is charged but no receipt is printed!!
Go go Sri Lanka Sinhalese idiots. Which bank will accept that they made a fault in the procedures? 
Btw, the Sri Lankan Procedure makes sure the bank charges the money at all costs... it does not think of the customer at all.... that what happens when you live in a 3rd class economy with cash flow problems.
Someone (I) should write to the paper but THERE IS NO MEDIA FREEDOM IN SRI LANKA TODAY!!!
Yesterday I went to a Insurance Company in Moratuwa to pay my life insurance. I gave my Sampath bank VISA card and the lady swiped it on the machine, a few seconds later she said my card got rejected and it did not print! I had lots of money in it and it was weird. So I gave my NDB VISA Card and the transaction was successful.
When I came home I called the Sampath bank and they told that Rs. 3,512.00 has been charged from my Sampath Card!
I told them what happened yesterday and today and they said I will have to WAIT 2-3 days for the issue to be corrected!!! Until then Rs. 3,512.00 is stuck!! What if it was something like Rs. 10,000? I would be bankrupt for 2-3 days!! Fail safe procedure
1. Validate card (using local algorithm)
2. Contact card Server
3. Send charge amount etc.
4. Validate balance
5. Receive receipt data
6. Print Receipt - if success
7. Charge Account
8. Confirm charge
Procedure used in Sri Lanka
1. Validate card (using local algorithm)
2. Contact card Server
3. Send charge amount etc.
4. Validate balance
5. Charge Account
6. Confirm charge
7. Receive receipt data
8. Print Receipt
So if the receipt data did not come.... the account is charged but no receipt is printed!!
Go go Sri Lanka Sinhalese idiots. Which bank will accept that they made a fault in the procedures? Btw, the Sri Lankan Procedure makes sure the bank charges the money at all costs... it does not think of the customer at all.... that what happens when you live in a 3rd class economy with cash flow problems.
Someone (I) should write to the paper but THERE IS NO MEDIA FREEDOM IN SRI LANKA TODAY!!!
Last edited:
