Knowing someone working in #banking IT/credit card network?
💳I am looking for the precise technical meaning of the error message "EFFECTIVE DATE NOT REACHED" showed on a merchant's payment terminal during a touchless #payment with a debit card.
⁉️ What is that "effective date"? How is that date set, and by whom? What causes could explain that date to be "not reached" at the moment of the payment?
(context provided here under)
