Forum Moderators: buckworks
Did anybody integrate this into the checkout?
Our developer recommended this site [developer.e-xact.com] as the guide to follow.
On the other hand, if your payment provider is for example Worldpay (or any other one with VBV integrated already), you won’t have to worry about it, as the customers submit their CC on the Worldpay server which takes care of VBV.
Downside: When visa made that concept, I guess they didn't know that in 2003 lots of people have popup blockers.
Don't the large US web sites like amazon etc use it already? The complete picture of that VBV stuff is very blurry, but visa is pushing it hard and keeps telling that it is mandatory since march (!) 2003.
What is the point of this scheme, when the merchant is not fully protected in case of fraudulent orders.
Read the fine print.
Amazon is not using it... and many others of the big guys didn't join...
On the other hand, we are suprised that you are going to launch a pilot on 3D Secure. As per the rule of Visa, ther mechanism of 3D Secure is to provide a strong evidence/ proof for Internet transaction. When there is a charge-back, the indicator of MPI will be used to prove the genuine of the transaction. However, card holders/ issuers may have a number of reason to make a transaction dispute, which is out of the proof from the 3D Secure. For the purpose of safety, please do not process the transaction, which is suspicious. Should you have any queries, please feel free to contact me.
Please note that I am in a bi-lingual country where people use English only because it's easier to type on a keyboard (than Asian languages).
I've requested the small print, as I didn't even get it officially, but there was no reply yet.
Right now the VbV is really not more for me than an indicator. In some cases it helps, but I don't think it's safe to just ship whatever is verified by visa.
Initially they promoted it with the words that it shifts the liability away from the merchant to Visa. They didn't mention the exceptions. Now it seems that "a number of reason" exist that shift the liability back to you. I guess they have got a BIG number of reasons ;-)
American banks are focused on customer service, and do not want to get into an argument with their customer. You, as a merchant, are not their customer. You are forced to do their bidding or stop doing business. When one of their customers phones up to complain, they are prompted to select an option from a list, and their money is refunded. Different banks have different options, but it's all the same result. The money is removed from your account, and the dispute is now between you and the cardholder, not Visa or the bank.
VbV will protect you from cardholders claiming they didn't make the purchase, but will do nothing to protect you from them claiming you didn't refund their money, or that you sent them shoddy goods, or any of the other chargeback reasons. We've had customers do chargebacks after already having their money refunded, and neither Visa nor the issuing bank checks or cares.
We've had customers do chargebacks after already having their money refunded, and neither Visa nor the issuing bank checks or cares.
We've had the same problem a couple of times and just charged the customers card again without a comment. Never had any problem with this in 4 years.
We've had customers do chargebacks after already having their money refunded, and neither Visa nor the issuing bank checks or cares.
We have had that several times. Recently we had one worse: Customer does a chargeback > we contest and "win" > customer does another chargeback on the same purchase > we complain and win again > Customer does chargeback on same purchase a 3rd time! > After talking with our merchant, we just gave up. 3 chargebacks bing-bing-bing.
Visa/MC lets the customer do anything.
