tag:infinitekind.tenderapp.com,2009-01-14:/discussions/online-banking/14201-unable-to-download-discovercard-transactionsInfinite Kind: Discussion 2022-12-14T16:27:05Ztag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-24T14:01:25Z2019-09-24T14:01:27ZUnable to download Discovercard transactions<div><p>Mark you must be a computer genius. Thanks for finding out this disappointing news. Oh well, I will have to get a different credit card I guess.</p></div>GRAY.BURCHtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-24T16:03:11Z2019-09-24T16:03:11ZUnable to download Discovercard transactions<div><p>Thanks Mark for the important info! I'm going to step up my effort on our non-direct-OFX automated download system.</p>
<p>Thanks,<br>
Sean</p>
<p>--<br>
Sean Reilly<br>
Developer, The Infinite Kind<br>
<a href="https://infinitekind.com">https://infinitekind.com</a></p></div>Sean Reillytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-24T16:52:29Z2019-09-24T16:52:29ZUnable to download Discovercard transactions<div><p>Quicken has set up an OAuth trusted server relationship between their server endpoint (<a href="https://services.quicken.com/ofx-secure-plus/7101">https://services.quicken.com/ofx-secure-plus/7101</a>) and Discover's OFX endpoint (<a href="https://ofx.discovercard.com">https://ofx.discovercard.com</a>).</p>
<p>In theory, Discover should allow others to set up OAuth trusted relationships as well, not just Quicken.</p></div>alan_auerbachtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-24T17:20:03Z2019-09-24T17:20:03ZUnable to download Discovercard transactions<div><p>Googled an interesting article regarding OFX security concerns presented at recent Defcon.</p>
<p><a href="https://blog.securityinnovation.com/digital-side-door">https://blog.securityinnovation.com/digital-side-door</a></p>
<p>We may soon be experiencing other sites with OFX access issues (Direct Connect) for Moneydance.</p>
<p>As a former Quicken user dating back to the DOS version in 1982, and a huge fan back then, I lost confidence</p>
<p>in Quicken to fix their problems, that seemed to carry on to each new release. New releases provided new</p>
<p>whizbang features without ever fixing the old problems.</p>
<p>I am now running Moneydance on Windows 10. Support has been much better than what I was previously</p>
<p>experiencing with Quicken. Even though we have this issue with Discover Card, I have absolutely no intention</p>
<p>of going back.</p>
<p>I have confidence that Sean and the staff will resolve this issue in a professional manner, as in the past.</p>
<p>Thank you!</p></div>art.richardtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-24T17:53:25Z2019-09-24T17:53:27ZUnable to download Discovercard transactions<div><p>You can call Discover, and ask them to support MoneyDance. Please include that you don't use Quicken and (very briefly) why -- especially if you're a former Quicken customer like me. The account managers are very friendly, and will gladly forward your request.<br>
If they have enough requests, they're more likely to agree. :)</p></div>TOMtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-25T01:12:33Z2019-09-25T01:12:33ZUnable to download Discovercard transactions<div><p>I called Discover and they stated "we are compatible with MoneyDance, we just do not have any support for it. Around the same time our servers went down, there was a change to how the transactions are downloaded on their end. Since you have the correct ID and password for accessing your account, we ask that you contact MoneyDance for troubleshooting any issues with downloading."</p></div>dJacksontag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-25T13:23:15Z2019-09-25T13:23:51ZUnable to download Discovercard transactions<div><p>In general what we are seeing in Quicken and a few other apps that use services such as Yodlee, is that they switch to using an OAUTH interface where the app company's server is given access via the OAUTH token or just by taking the customer's login+password(!). The service provider (aka Intuit/Mint, Yodlee, etc) then have access to your transaction data and accounts and their software (or web site) provides access to that copy of your data.</p>
<p>We won't be doing that, since we don't want to ever possess any customer data. When our solution is ready, all of the data will live in the encrypted data file on your computer and any communication will be directly between your computer and the bank's servers.</p>
<p>--<br>
Sean Reilly<br>
Developer, The Infinite Kind<br>
<a href="https://infinitekind.com">https://infinitekind.com</a></p></div>Sean Reillytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-25T15:11:36Z2019-09-25T15:12:04ZUnable to download Discovercard transactions<div><p>I just read a little about Oauth and came away thinking that, from a security point of view, using it could easily be a step backward. Glad to hear you will be sticking to the MD concept of user to bank only for credentials/data.</p>
<p>And, though I have had very good service from Discovery over the years, if need be, there are good alternative credit card institutions.</p></div>avp2tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-25T21:02:16Z2019-09-25T21:02:16ZUnable to download Discovercard transactions<div><p>So disappointed in Discover. Other than our Bank's (Lake Michigan Credit Union - LMCU) credit card Discover has been the card I used most. As avp2 pointed out there are other cards out there and perhaps it's time to dump Discover.</p>
<p>I'll call Discover to add my voice to the request for working with MoneyDance and continued support for the QFX download.</p>
<p>I wish more folks could us LMCU so there would be more pressure on them to work with MoneyDance too. They have a killer checking account with 3% interest!</p>
<p>Keep at it Sean and the rest of the MD team. MoneyDance is a far superior product because of the fact that no data is stored by anyone except the user and the bank. I came over from Quicken years ago for various reasons but this is the main reason why I will never go back or switch to other products.</p></div>~Dan Ntag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T16:59:49Z2019-09-27T16:59:50ZUnable to download Discovercard transactions<div><p>I love Moneydance. Up until now "it has just worked". SO while this discovercard problem is indeed frustrating, I love the integrity of the Infinite kind to not succumb to a process that exposes my data to people who just don't need that. I look forward to a great solution, but in the meantime I think I will learn how to download qfx files.</p></div>Gabrieltag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T22:07:47Z2019-09-27T22:07:49ZUnable to download Discovercard transactions<div><p>I called Discover and registered a complaint as Tom recommended. However the customer service lady said there was nothing she could do at the moment. She said she will send a message to corporate.</p></div>Graytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T22:11:09Z2019-09-27T22:11:12ZUnable to download Discovercard transactions<div><p>can anyone recommend a good credit card that works with Moneydance that doesn't charge an access fee?</p></div>Graytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T22:11:59Z2019-09-27T22:11:59ZUnable to download Discovercard transactions<div><p>Have some fun and tell them you want to set up an OAuth 2.0 server and ask to speak with technical support. 😊</p>
<p>On Sep 27, 2019 15:07, Gray <a href="mailto:tender+dd8a6b0d56@tenderapp.com">tender+dd8a6b0d56@tenderapp.com</a> wrote:</p></div>alan_auerbachtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T23:20:02Z2019-09-27T23:22:49ZUnable to download Discovercard transactions<div><p>@Gray,</p>
<p>I'm using a Chase Freedom Credit Card.<br>
There's no annual fee.<br>
There no monthly fee to connect to Chase's OFX server via Moneydance.<br>
You get 1% back on all purchases.<br>
Participating merchants offer addition % points back.<br>
Quarterly, Chase offers 5% back on particular types of merchants. e.g. restaurants, gas stations, dept. stores.</p>
<p><a href="https://creditcards.chase.com/rewards-credit-cards?CELL=6TKX">https://creditcards.chase.com/rewards-credit-cards?CELL=6TKX</a></p>
<p>-Kevin N. (not a member of MD support)</p></div>-Kevin N.tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T23:46:07Z2019-09-27T23:47:18ZUnable to download Discovercard transactions<div><p>Discover is not the only card. My Citi MC and others with Citi MC are have the same type of issues, where we get Error 2000:<br>
There was an error communicating with your financial institution. The details of this error are below.</p>
<p>Bank Name: Citi Cards</p>
<p>The error code reported by the server was: 2000</p>
<p>We've recently updated our online banking experience. To continue using this app, you'll need to relink the app to your Citi account. As a reminder, only credit card accounts can be linked.</p>
<p>There is another recent discussion started today "Downloading transaction" with this error reported. I am running 2019.3 (1880). Looking forward to having this issue fixed.</p></div>Bob H.tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-27T23:51:08Z2019-09-27T23:51:08ZUnable to download Discovercard transactions<div><p>Citi Double Cash - you need a good Credit Score though.</p></div>kwbeartag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T00:14:03Z2019-09-28T00:14:04ZUnable to download Discovercard transactions<div><p>@Kevin,</p>
<p>Thank you for the advice, but when I started having this problem with Discover I searched google for good credit cards to try and I actually got the Chase Freedom Unlimited Card...</p>
<p>I can't get mine to work.. It is saying</p>
<p>The given customer ID or PIN is not valid. For more information, contact your financial institution.</p>
<p>Additional information from the server:<br>
INVALID ID/PASSWORD</p>
<p>It doesn't work. I'm just posting this so that other people won't try this one.</p></div>Graytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T00:57:44Z2019-09-28T00:57:44ZUnable to download Discovercard transactions<div><p>I also sent a note toDiscover by email. I’ll post my message to them below in case someone want’s to put something similar together.</p>
<p>As to good credit cards, you can get a card from Lake Michigan Credit Union, LMCU – lmcu.org (based in West MI) HOWEVER they don’t talk with MoneyDance (yet – I keep bugging them about it). It seems like this is something a lot of the cards are starting to do. Anyway, LMCU has a killer checking account that includes a VISA card. The checking account pays 3% on up to $15,000. It has some requirements but most folks easily meet them if you use a credit card for the majority of your purchases. The toughest one would be direct deposit.</p>
<p>The Max Rewards Visa credit card also pays 3% on gas, 2% on all grocery, restaurant and more. So add that to the 3% on the checking and your getting almost 6% on your money. Check out more at lmcu.org/personal/banking/credit-cards.</p>
<p>But again, one will have to connect to the institution and then download the files and open them with MoneyDance.</p>
<p>Not a great solution but a great deal. Hope that helps someone.</p>
<p>The following is what I sent to Discover. I’m not certain it’s 100% accurate but I think it is and welcome any comments or clarification.</p>
<hr>
<p>Dear Discover,</p>
<p>I wanted to express my disappointment and surprise at the decision to no longer support the QFX automatic downloads for anyone other than Quicken. As I understand it you have moved to a less secure method where companies like Quicken will supply an OAUTH token (my login and password??) and will then download and store Discover Card users data on their servers to be retrieved. My software, MoneyDance*, by InfiniteKind (infinitekind.com/moneydance) does not and never will possess any customer data and therefore are one of the most secure financial software options available today.</p>
<p>I was a former Quicken user. The requirements to buy their software every two to three years, buggy software and lousy support forced me to look for alternatives. I'm glad it did as MoneyDance support is far superior.</p>
<p>I ask you to please consider working with better companies than Quicken. Better yet, start to support Direct Connect** for more secure transfers of data.</p>
<p>I have often encouraged others to use Discover for it's great perks. My kids all have used Discover for this reason. That said, there are now other credit cards with similar or better benefits. Our bank has one such card which is my primary card, but I held on to my Discover card too. Perhaps it is time to dump my Discover card and consolidate because balancing my Discover card has become a real pain!</p>
<p>Regards,</p>
<p>*The makers of MoneyDance do not store your username and password (like Quicken). That information is only stored locally on your computer. Furthermore, the makers of MoneyDance do not store any of your financial information whatsoever (like Quicken) nor do they make use of any data warehouse of any kind. Again, all of your financial information is stored locally on your computer only.</p>
<p>**Direct Connect actually connects to a dedicated OFX server that is not accessible through standard Internet protocols. Direct Connect is a much more secure method for retrieving financial data.</p></div>~Dan Ntag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T01:18:04Z2019-09-28T01:18:54ZUnable to download Discovercard transactions<div><p>@Gray,</p>
<p>I can't speak to the Chase Freedom <em>Unlimited</em> Card but the Chase Freedom Card does indeed work with Moneydance.</p>
<p>Chase requires that you authorize your account(s) for desktop apps. (you do so on the Chase website). You'll also need to verify your identity. You should receive an email from Chase with the instructions on how to do so.</p>
<p>Once you've authorized your account(s) and verified your identity, Moneydance will connect to Chase's OFX server.</p>
<p>-Kevin N. (not a member of MD support)</p></div>-Kevin N.tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T02:20:40Z2019-09-28T02:20:40ZUnable to download Discovercard transactions<div><p>From my experience chase, american express, citi, and fifth third bank all<br>
have credit cards that work with moneydance. I believe this may be true for<br>
their banking products too. Discover was high on my list until this recent<br>
development.</p>
<p>I seem to remember capital one killed their support a few years ago and<br>
that was similarly painful.</p></div>hannasmtag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T04:42:59Z2022-12-14T16:27:05ZUnable to download Discovercard transactions<div><p>I have a Chase Freedom card and that works fine with Moneydance for me, but a bank that works is what I'm after. Bank of the West and Discover both broken; I used to have a Chase checking account, but it had other problems that led me to cancel it before I tried any real banking with it.</p></div>ckuenytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T04:45:08Z2022-12-14T16:27:05ZUnable to download Discovercard transactions<div><p>We use both Chase Southwest card (annual fee, but lots of miles earned so this is our main one), and a Chase Freedom card (1% back on everything) and they both work fine with Moneydance, with no fees.</p></div>ckuenytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T06:12:58Z2019-09-28T06:12:58ZUnable to download Discovercard transactions<div><p>I can add that Citi cards has been especially helpful ensuring that their connections work with Moneydance.</p></div>Sean Reillytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T06:17:59Z2019-09-28T06:17:59ZUnable to download Discovercard transactions<div><p>Sean,<br>
How long do you think it will take to fix the issue with Citi Cards? They obviously changed something in the past week or so.</p>
<p>Sent from Bob's iPad</p></div>Bob H.tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T14:00:01Z2019-09-28T14:00:03ZUnable to download Discovercard transactions<div><p>@ Kevin N Thanks for the helpful info - I was able to get mine working with Chase after I turned on desktop software in the website.</p>
<p>Thanks again you are awesome</p></div>Graytag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T14:34:34Z2019-09-28T14:34:34ZUnable to download Discovercard transactions<div><p>@ Gray,</p>
<p>You're welcome. I'm glad to hear that you were able to get things working with Chase.</p>
<p>Thank you for reporting back with your results.</p>
<p>-Kevin N. (not a member of MD support)</p></div>-Kevin N.tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-28T15:29:01Z2019-09-28T15:29:01ZUnable to download Discovercard transactions<div><p>US Bank has free (Bill Pay depends on balance) OFX. Their VISA card does also and, as far as cash back/cost, is pretty competitive.</p>
<p>At the time I left Wells Fargo (about a year ago), they had free OFX. Their card, however, was only moderate for benefits.</p></div>avp2tag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-29T12:45:47Z2019-09-29T12:45:51ZUnable to download Discovercard transactions<div><p>I strongly suggest we all write to discover and request full support of automated downloads into MoneyDance.</p>
<p>I told them I will leave them if Moneydance is not supported as this is central to my financial management.</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-29T13:26:24Z2019-09-29T13:26:25ZUnable to download Discovercard transactions<div><p>Does MoneyDance support OFX 2.2? That seems to be where Discover and other Firms are going</p></div>Brucetag:infinitekind.tenderapp.com,2009-01-14:Comment/476202002019-09-29T14:44:11Z2019-09-29T14:44:11ZUnable to download Discovercard transactions<div><p>It is unfortunate that Discover is only playing ball with Intuit. I was a Quicken user for years and jumped ship in 2016. Their product is turned into an unsupported bloated piece of crapware. I'm giving this a bump in the hopes that we get a solution for Moneydance.</p></div>ooteschoogen