Maestro and 3D Secure

[guccij]

presumably HSBC aren't enforcing 3D Secure yet. However, if you go to www.hsbc.co.uk, then search for "Maestro shopping online", click on "Debit cards Maestro and Solo", and then on the resulting page click on "Debit card security", you will see that they are promoting 3D Secure.

A quick follow up to this - First Direct (part of HSBC) are abandoning Maestro full stop:

"Clause 5.7.3 has been amended to remove reference to MasterCard SecureCode [...] as all new debit cards issued by us from January/February 2009 will be Visa debit cards, rather than Maestro debit cards."

The above is stated in a variation to FD's terms and conditions which I received this morning.

[feeky1973]

are you still allowed to do telephone orders using maestro?
just tried calling hsbc to find out, i might as well have asked the postman he would probably have given me a better answer

[cbarling]

I don't see why you can't take telephone orders using Maestro. 3D Secure shouldn't be enforced on MOTO (mail order/telephone order) payments.

Certainly, in Actinic Payments web orders are handled slightly differently from MOTO ones.

Chris

[animal dreams]

Just picked up on this thread.

We use HSBC merchant account and you definitely can accept mail order payments without 3DSecure. Card holder should not give you their password!

We have lodged a formal complaint with HSBC about the c**p user education on 3DSecure. I am constantly reminded by HSBC e-payments that we must use 3D for Maestro or face unlimited fines. However I have yet to receive any communication from First Direct (HSBC) about 3D for my own Maestro card which I do use online.

Unlike "chip and pin" where the high street heavyweights had to be completely onboard, it seems like the banks don't really care because the poor old merchant will end up picking up the tab!