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Verified by VISA
Interesting article...

 3:28 pm on Aug 11, 2008 (gmt 0)

I found this recent article criticizing Verified by VISA.

[theregister.co.uk ]

My favorite quote from the article is:
Customers don't like it because they get taken to a third-party website to enter their information. They have a new password to remember.... Worse still, in some cases resetting the password is all too easy. Fraudsters know this...

I always wondered whether VbV and SecureCode was worth it. Does the decrease in chargebacks offset the potential decrease in conversion rate?



 3:45 pm on Aug 11, 2008 (gmt 0)

In our case, the decrease in chargebacks does not warrant the problems experienced by customers. Not only are they confused by VbV (and we explain it to them before they get to that point), but the system itself has technical problems, and we've had customers saying they just get a blank page after they enter their password or try to enrol.

It's a mess of a system, and once the banks start getting more fraudulent authenticated transactions they may actually take notice of the problems. Unfortunately it's already compulsory for UK Maestro cards, and it's only a matter of time before others follow. Pity the banks haven't bothered to advertise it like they did with Chip and Pin.


 3:57 pm on Aug 11, 2008 (gmt 0)

Pity the banks haven't bothered to advertise it like they did with Chip and Pin.

For a while, I did see some TV ads. There was an office full of sales reps taking orders at their cubicles, and the buyer's head would physically emerge from the computer screen so that the sales rep could identify him/her. Then there was a slogan like 'if only life were that simple...' and then a quick glimpse of a VbV password page.

I don't think the ads worked; not only was the message unclear, but between watching the commercial and then seeing a VbV page days or weeks later, I just don't think the average person connected the dots.


 3:42 pm on Aug 28, 2008 (gmt 0)

God, I hate this Verified by Visa crap.

I run into it about once a year myself when shopping...more hassle for the consumer (me), and ANOTHER password I have to keep up with, plus the time wasted to set it up to begin with.


Come to think of it, the only time I've run into it is when buying from someone using the Yahoo store thingy...

I always think to myself, "I bet this is costing them a lot of sales."


 5:37 am on Sep 5, 2008 (gmt 0)

Its affecting the volume of transactions through our website particularly regular donors who have to undergo additional step for donating online


 4:25 pm on Sep 5, 2008 (gmt 0)

We've run vbv and the mastercard version (via Protx) for months with no noticeable drop in conversion. Where it's available we now insist on it before accepting the order.


 4:59 pm on Sep 5, 2008 (gmt 0)

one of the pg is an aggregator and so the transaction takes a long time to complete

Lord Majestic

 5:23 pm on Sep 5, 2008 (gmt 0)

It was a very bad idea - I am all for security but the way it was implemented is crazy: it certainly puts me off from purchase.

Andrea Wasik

 5:23 pm on Sep 6, 2008 (gmt 0)

Last week I went through all the trouble of placing an order and then got the verified by visa page, and of course I didn't know my password, so I just went and ordered at another site.

I have an ecommerce site and I would never add this. It's hard enough to get everything to work smoothly. I don't get too many chargebacks, however. Other types of sites likely get a lot more chargebacks (read: deadbeats), in which case I can understand the desire to weed out the scamsters.


 10:37 am on Sep 8, 2008 (gmt 0)

In the UK we no longer seem to have a choice so while it is a pain, it is a consistent pain, and a level playing field for ecommerce providers.

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