Aqua Card - payment refused for "security reasons" ?

reclusive46

pqrdef wrote: »

But that's what Santander often do.

Indeed, I've had a similar experience with Santander. They don't seem to have much of a real time fraud checking system.

pqrdef

Wywth wrote: »

The transaction was accepted by the retailer, but later I had an automated call from Aqua ( 0845 331 2300 ) asking me to confirm the transaction, which I did.

Then the retailer contacted me to tell me the transaction has been refused by the card issuer :mad:

The bank will have declined the payment at the SecurePass stage. Usually the website would then tell you the payment had failed, and you could try again or try a different card.

They phone you later, but only for information.

In this case your retailer seems to have a different tactic - accept the order regardless, and then chase the payment later.

dalesrider

Wywth wrote: »

Perhaps they should have a SecurePass system like many other card providers use if they are so worried about fraudulent transactions online.
.

SecurePass and VbV have nothing to do with the card provider. They are systems that retailers have to pay extra for to Mastercard and Visa.

Which is why the likes of Amazon DO NOT use them.....

I guess the OP got a duff rep. Because No security systems works on a random basis for declining transactions. I had to berate one of our call center staff for telling a customer this.

These systems work on known fraud patterns.

If the SecurePass system failed then odds on it would be declined by a security system.
Just the same do not think that because you go through one of these systems you will not get a security check.

reclusive46

dalesrider wrote: »

SecurePass and VbV have nothing to do with the card provider. They are systems that retailers have to pay extra for to Mastercard and Visa.

Which is why the likes of Amazon DO NOT use them.....

I guess the OP got a duff rep. Because No security systems works on a random basis for declining transactions. I had to berate one of our call center staff for telling a customer this.

These systems work on known fraud patterns.

If the SecurePass system failed then odds on it would be declined by a security system.
Just the same do not think that because you go through one of these systems you will not get a security check.

Last time I checked, American Express SafeKey, MasterCard SecureCode and Verified by Visa were free and merchants like to use it as it means they are protected from fraud chargebacks. Amazon just has a very complicated fraud system of its own, I don't know why they don't use the security code atleast for verification when adding the card though.