Verified by Visa problems - anyone else?

lr1277

serena90 wrote: »

I do wonder whether it's worth the bother too...:(


I was directed to VbV while making a payment this evening (I'm with First Direct). I entered my password and the thing froze. As it's not a good idea to press any buttons while a transaction is in process, I waited...then I waited, and I did a bit more waiting. The cursor was jammed and I couldn't get off the page. I didn't get any time-out messages. The 'Page Loading' bar was only about a third full. In the end, I had no choice but to switch the machine off and re-boot. Once I was back on-line, I was really surprised to find an e-mail from the retailer I was making the payment to, confirming my order and payment! I checked my available balance with FD and it has, indeed, been taken into account.

I too had a similar problem using my FD visa debit card on the national lottery site.
The screen and my machine froze after submitting my VfbV password.
You don't need to turn off/on your machine.
10s after submitting your password, press the F5 key. This refreshes the web page.
When I do this, if memory serves, an error message appears, but the money is still added to my national lottery account.
I complained to Camelot, but got some fob off answer.


HTH

mgdavid

hermetic wrote: »

I'm sorry but the Verified by visa and the mastercard secure code service is totally unacceptable.

I have written down and actually taken pictures of my password over 10 times this past year so as to not forget the code, but each attempt at inputting the correct details - it declines it and eventually i have to attempt to reset the code, and even then it does not accept my correct DOB details.

A normal one minute transaction is now taking me over an hour. Just now for example - I wanted to book cinema tickets at an imax. This theoretically would have taken me 2 minutes max.

I have just wasted an hour and half on the phone to my card provider and then I called securecode directly.

I have filed numerous complaints at this abysmal security service which actually detracts away from making an online purchase. It is bizarre and I am extremely irritated having to waste hours of my time by calling to reset it.

This have made it compulsory and I have not been given any options to opt in or opt out.

Having spoke to mastercard securecode directly, they have elucidated the fact that it is a service they offer - but the ultimate decision on whether the service is implemented or not lays with the financial institution/bank who hold the authority for opting in or out.

So it is the actual financial institutions and banks who enforce its use.

I have had enough. It is unacceptable and something needs to be done. I have NEVER had any such problems with any of my other online banking passwords/codes and security measures.

It is just the verified by visa and the mastercard securecode.

To make matters worse - it keeps a history of ALL your saved passwords that you have used in the past - and if you do ever get around to managing to resetting you password - you cannot use any of the passwords you have used previously - you are forced to make a new one.

I hate this service. It is an absolutely disgusting hindrance and I cannot believe I am forced to comply with its use.

there is clearly something unique to you / your PC that is causing your problems. I've used VbV for years with no problem whatsoever.

hermetic

mgdavid wrote: »

there is clearly something unique to you / your PC that is causing your problems. I've used VbV for years with no problem whatsoever.

I don't think it is my computer per se as I have access to a multitude of different computers. It is more likely to do with the actual financial institution, in this case, it is APS financial who are the vendors of my credit card (mastercard securecode) and barclays (verified by visa).

I am not alone in this problem. There are a handful of other people out there that also face similar problems to my own.

The bottom line is, the service offered is abysmal and needs serious updating.

mgdavid

hermetic wrote: »

I don't think it is my computer per se as I have access to a multitude of different computers. It is more likely to do with the actual financial institution, in this case, it is APS financial who are the vendors of my credit card (mastercard securecode) and barclays (verified by visa).

I am not alone in this problem. There are a handful of other people out there that also face similar problems to my own.

The bottom line is, the service offered is abysmal and needs serious updating.

Odd that the APS website says their cards are Prepaid cards, they don't appear to do Credit cards.
Also APS are not on the list of issuers using Securecode on the Mastercard website.
It might help if you clarified exactly what you have, how you think it works, and what you are trying to do.
However I don't think for one moment that any financial institution is going to do any 'serious updating' for a 'handful of users'.

hermetic

mgdavid wrote: »

Odd that the APS website says their cards are Prepaid cards, they don't appear to do Credit cards.
Also APS are not on the list of issuers using Securecode on the Mastercard website.
It might help if you clarified exactly what you have, how you think it works, and what you are trying to do.
However I don't think for one moment that any financial institution is going to do any 'serious updating' for a 'handful of users'.

It's a prepaid mastercard. I use it (well try to) exclusively for online purchases only. I never had any problems with it when I first obtained the card three years ago.

It's only within the last year that they have made the securecode compulsory.

The barclaycard I have is not prepaid. But the problems still persist with the verified by visa. Mastercard secure code and verified by visa use the same security system. The interface is almost identical.

I am not the only person who has this problem. If you do a google search, you will see numerous other individuals who are in the same boat as myself, and frankly - it's unacceptable.

I responded to this thread after I found it on a google search and felt I needed to also share my experience.

Unfortunately - the response I have received from the banks is a 'take it or leave it' attitude. They are not willing to escalate the matter further.

I just don't agree with how they can impose a security system on their customers that effectively doesn't seem to work for numerous individuals. When I obtained both cards, this system was not stated in their terms and conditions of card use - and I was never written to to notify me about it's compulsory requirement.

DCFC79

mgdavid wrote: »

there is clearly something unique to you / your PC that is causing your problems. I've used VbV for years with no problem whatsoever.

Been using VbV for years with no issues.

hermetic

Even if the system is not working for 'a handful' of individuals, it still highlights the flaw that the system itself it not effective - as any security system that is implemented should theoretically be 100% effective and foolproof.

I have no idea why the system doesn't work for me. I can't explain it - but I also dislike the fact that I'm made to feel ostracised for it. It isn't my fault.

I have no other issue with any other security system I use online. Almost all utility companies and financial institutions have made a move towards online banking and paperless statements and bills. I have no issue with this.

But, for example - I have online access for E.on, B.T, British Gas, Natwest, Barclays, Barclaycard, Cashplus (Aps financial) and nationwide. (also t-mobile, ebay, paypal, amazon etc)

Then my business accounts for E.on, B.T, Santander and Barclays and my local council online service for business rates - and my business corporate barclaycard.

I just find it difficult to accept how they can expect a single individual to remember all the usernames, logins and passwords for each of these accounts and how they recommend to NOT use the same passwords for these accounts. Some individuals are FORCED to write these passwords down which defeats the purpose of having these security measures in place and leaves the door open in security vulnerability.

The issue with securecode and verified by visa is that even time the password reset facility is actioned - you cannot ever use a password you have used before. It memorises all the passwords you have ever used and even if you just 'forget' the code it forces you to create a new one at each reset attempt. This is, in my opinion, extremely impracticable.

mgdavid

Ah, so it's not a credit card. You are still being very unclear in your description of your problems.
Is it with the Prepaid card and Securecode, or is it with Barclaycard and VbV? Are you assuming they are the same system because they look similar? Have they ever worked for you? Why do you keep wanting to change passwords ( I've had the same one for years and years) ?

ryan92

I tried to pay studio the other day and all my cards were coming up with ' This transaction could not be completed' or words to that effect. So much so I've had one of my banks on the phone trying to carry out a fraud check for a £10 payment so something must be up.

mgdavid

ryan92 wrote: »

........ so something must be up.

could you possibly be a little more specific?