jamie - 3:16 pm on Nov 14, 2011 (gmt 0)
we've been with the same processor for 10 years, before VbV was widespread - they let us keep the original non-secured settings.
it's a far smoother checkout experience - rather than sending customers away from your site to the bank for VbV authorization, you can keep everything internal; handle all errors; keep the same livery everywhere.
but, as mentioned above, slowly the amount of time we spend checking for fraud and the losses incurred are outweighing the benefits of a smoother checkout process.
was just interested whether anyone had switched recently and had had a positive experience?