Verified by Visa

dung_a82

jonesMUFCforever wrote: »

Some banks are now stopping using verified by visa preferring their own software which detects unusual spending patterns.

I believe if the transaction is deemed high risk, the bank will still implement VBV/MSC authentication by asking for some information that only card holder supposes to know. If usual pattern or transaction is low risk, then it automatically approves the transaction without needed to enter the code.

callum9999

MrsWassire wrote: »

I was trying to pay my T-Mobile bill by debit card, and got VbV. It wouldn't let me log in (turned out the password Co-Op had asked me to set was too short - why they didn't tell me it was minimum 5 characters I will never know!). I tried twice and it kept telling me "incorrect password" so I left it up on my screen while I called Co-Op. Several minutes later, I wasn't even touching my computer and the page started reloading - I thought it had timed out, but no, it went to a "payment successful" screen! So what was the point of VbV because I failed the security so anyone could have used my card. So I told all this to Co-Op and they said it was a mistake and no transaction had come off my account so I should put it through again. They checked "everywhere" and were 100% sure no money had been taken. I decided to wait to be sure... luckily, because 2 days later the money came off my Co-Op account.

What do you mean "the password CO-OP asked me to set"? As far as I know, they shouldn't be asking you to set a VbV password - I know I wasn't. The time to set it up should be the first time you use VbV, and when you make the password then, it shouldn't let you enter anything too short.

Are you sure the password you set up was actually for VbV and not some kind of CO-OP internet/phone banking password?

InsideInsurance

Blaketon wrote: »

"It's the bank that declines the transaction." Why would my bank decline the transaction when I have no debts and am in surplus

You would need to ask your bank that.

In most cases the 3D Secure, AVS, CSC, transaction amount etc are all passed to the bank in one block and the bank decides if they want to accept or decline the transaction.

It could be you got the 3D Secure/ VbV answer wrong, it could be the AVS hasnt passed because of how the flat -v- building number (or house name -v- house number) etc has been input but the feedback you get as a consumer via the merchant is going to be simply that the transactions been declined - after all if you were a fraudster it would make it much easier to get through if you were told that you had everything but the numerical parts of the address right.

Personally have never had a single problem with 3D secure on any of my cards.

I have rolled out 3D secure to a clients website and they measured they had about 2% of cases declined due to wrong passwords and 3% with an issue with 3D Secure of which 85% were people thinking it was a phishing attempt or equiv (this was right at the beginning of 3D Secure), 14% due to people forgetting their password and the remaining 0.3% being some other error.

Deneb

calypso_rhapsody wrote: »

This will not be the most helpful post ... i had the same problem (with a Nationwide Visa card) and kept getting blocked ... i have sorted it and have not had a problem for well over 3 years .... BUT i can't for the life of me remember how i sorted it out ... i do recall have a chat with the Nationwide help desk and think that maybe i logged into Nationwide's site and changed the Verified password from there. But to be honest i am not really sure! But maybe this will give you hope that there is a way .....

I had the same problem with a Nationwide Visa card. It was only sorted out eventually by Nationwide cancelling my card and issuing me a new one, which was re-registered with VbV. No-one seemed to be able to work out why the previous card was failing, but Nationwide were very helpful once I got them to realise the problem.

MrsWassire

callum9999 wrote: »

What do you mean "the password CO-OP asked me to set"? As far as I know, they shouldn't be asking you to set a VbV password - I know I wasn't. The time to set it up should be the first time you use VbV, and when you make the password then, it shouldn't let you enter anything too short.

Are you sure the password you set up was actually for VbV and not some kind of CO-OP internet/phone banking password?

With RBS you have to enter characters from your online banking password. Same with Co-Op, instead of your password though you have to enter a specific thing from your memorable information.

Lloyds however, had me set my own password - as did my credit card, so it must vary by bank.

hermante

with VbV or Mastercard SC (HSBC) I just need to enter my DOB, postcode and the CVV numbers on the card, and I always click Cancel after that instead of setting a password. I've been getting messages such as "You may be unable to make further onilne transactions with this card" for 3 years, but that never happens. Actually, some sites I use often have recently stopped sending me to VbV.

jonesMUFCforever

hermante wrote: »

with VbV or Mastercard SC (HSBC) I just need to enter my DOB, postcode and the CVV numbers on the card, and I always click Cancel after that instead of setting a password. I've been getting messages such as "You may be unable to make further onilne transactions with this card" for 3 years, but that never happens. Actually, some sites I use often have recently stopped sending me to VbV.

Not very secure at all then?
If you lost your wallet with a driving licence and your card they could use it at will.

Plxply

Verified by Visa/Mastercard Securecode provides almost no extra security, in my opinion it just allows the banks to attempt to shift liability. You could easily be sent to a rogue VbV window and asked to type in your password and most people won't notice, especially as you can determine the bank from the first few digits. HSBC only requires basic information for me to reset my password (which I've done for almost every transaction), information that's on the card, my date of birth and my post code. All of which you can find in my wallet as I have my debit card and driving license.