It’s been a while since I travelled by train, but IIRC where you insert the same card you used to purchase the ticket it sometimes negates the need to key in the booking reference. Otherwise inserting a card just activated the machine prompting you for the reference. However I believe this is also dependent on how you booked your ticket online as that’s not always available (for example if you pay by Apple Pay online or in-app, the card PAN associated with your device is different to the actual PAN on the card).
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