Verifed by Visa/3D Secure compulsory with Sage Pay?

[Rich Brady]

Hello all,

My Dad's just been trying to buy something online and was confronted with the Verifed by Visa/3D Secure registration window.

He doesn't want to use this service, but there doesn't seem to be a way of getting around it.

When I have come across this in the past I have been able to ignore/by pass, are Sage Pay forcing buyers down this road or do the merchants have a check box, compulsory/optional?

Thanks for you imput,

Rich

[Rich Brady]

A phone call to the e-tailer confirms that it is something they have implemented for all there online transactions.

Surely sellers that do this are seeing an increased drop out at check in?

[brian.mc]

Verified by Visa/3D Secure is the online equivalent of chip'n'pin. Started as a voluntary option for retailers, but will eventually become standard.

We haven't noticed any increase in drop-out as result of implementing it, but have seen fraudulent chargebacks fall to virtually zero (one chargeback last month was the first in over 2 years)

If the card passes 3D Secure you are guaranteed that chargebacks will be borne by the bank, not you, for all EU issued cards, and for all cards from other countries with the exception of business cards.

Most customers tend to see increased security as a good thing, as it puts another hurdle in the path of the fraudster.

[Rich Brady]

Most customers tend to see increased security as a good thing, as it puts another hurdle in the path of the fraudster.

I agree, but forcing a shopper to adhere will infuriate some and they will leave.

Have you made it compulsory for you customers to opt in?

[pinbrook]

I agree, but forcing a shopper to adhere will infuriate some and they will leave.

i dont see it being voluntary in the future, its something that is going to happen across the board despite customer resistance.

It seems insane to me to refuse to participate. It more often means education is required

[Sean Williams]

The problem with 3D Secure is that it isn't mandatory for all card holders. If it were, there'd be no problem.
I imagine the majority of cardholders don't sign up for it as it is so often badly implemented on ecommerce sites - I am registered with some of my cards, but I hardly ever get asked to verify and even when I do I am given the option of renewing my password if I've forgotten and the sale still goes through!
Make the cardholder responsible for card misuse if they aren't registered and there'd soon be 100% take-up

The question to be asked is why the banks haven't made it mandatory? My guess is because they don't take the fall on chargebacks - we do

[Duncan Rounding]

I always forget my VbV password and (because you can't reuse any old passwords) have to enter my date of birth again each time before being able to set yet another password that will likely be forgotten again. As a user I find this very irritating. It seems that all anyone needs to know is my date of birth rather than my password to use my card. I'm sure many people must be in the same situation as me.

[brian.mc]

I think the main problem is the banks not educating the public about it.

When they launched chip'n'pin I received information about it with every credit card statement, together with an extensive TV advertising campaign, so by the time it became mandatory everyone was familiar with it. I've received no information as a cardholder from my bank about 3D Secure - I only know about it because I'm a retailer, so I assume the great majority of the public still don't know about it or what it means!

If the banks were to give the same publicity to 3D Secure it would make everyone's job a lot easier.

[Rich Brady]

I always forget my VbV password and (because you can't reuse any old passwords) have to enter my date of birth again each time before being able to set yet another password that will likely be forgotten again. As a user I find this very irritating. It seems that all anyone needs to know is my date of birth rather than my password to use my card. I'm sure many people must be in the same situation as me.

I agree, this is what makes it a farce IMO.

[pinbrook]

I always forget my VbV password and (because you can't reuse any old passwords) have to enter my date of birth again each time before being able to set yet another password that will likely be forgotten again. As a user I find this very irritating. It seems that all anyone needs to know is my date of birth rather than my password to use my card. I'm sure many people must be in the same situation as me.

me too .....

[Darren B]

its compulsory on the kite site and i cant say i notice any drop in payments, i get a small % that try with AP then us PP some of this could be down to 3D but im not sure and as i said the % is really small. The amount of orders sitting in pending is about 15 for over a month and some have paid by other methods.

However this or maybe something that replaces or is better intergrated will be compulsory in the future so its a case of having to accept it.

[saucysal]

Public Ignorance

Yes, the problem is with ignorance in general with the public. The 3D Secure system is there for the card-holder's benefit to prevent fraudulent use of their card details, but the card-holder does not see it as such, they see it as a nuisance at best, or attempted fraud by us at the worst. Some people have told me that when they were taken to the 3D Secure site for security questions they immediately quit the site as they suspected that they had been diverted by fraudsters wanting their security information, and some even thought it was us who were the fraudsters.

I have people ringing to place their orders by telephone so as to avoid the 3D secure system; we are now only taking orders online as, if people can avoid the security checks by telephoning the order, it makes the system pointless.

If a customer has a problem on the 3D-Secure, such as not remembering their password, there is a link supplied so that they can obtain it. If all fails they can ring their bank.

Since the start of implementing 3D Secure we have not had a single chargeback.

Sarah

[Sean Williams]

Yes, the problem is with ignorance in general with the public.
If a customer has a problem on the 3D-Secure, such as not remembering their password, there is a link supplied so that they can obtain it. If all fails they can ring their bank.
Sarah

Well, I agree absolutely with the first part.
But just the other day, I was taken thru the 3D Secure palaver as a customer and I nearly blew my top.
Despite my being certain about my password, security questions etc etc, it would not either let me pass, or supply a new password.
The only reason I couldn't give up and go elsewhere was because I was buying a railway ticket and all the vendors actually use the same system, under different guises.
Had to use a new card, which was inconvenient.
I don't blame customers being suspicious - it irritates the hell out of me as it simply fails to work on occasion.

[Rich Brady]

The guy, who's name escapes me, from Creditcall at the Actinic conference confirmed that the Verified by Visa/3D Secure wasn't worth the paper it's written on.

He told the room, as most of us already know, how you only need the card holders DOB to change the password. A piece of information that can be found on the electoral roll or even a person's facebook account.

Until they change the password system, if some little shit has your card details, 9/10 they will be able to by pass Verified by Visa & 3D Secure.