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I have almost *never* been able to make a purchase on a Verified by Visa site. I've been on the phone with my bank, Visa, and tried to get it removed, tried to get it so the right username came up. I've tried everything.
Today I went to make a purchase and none of the workarounds works. I just abandoned a $200 purchase. Can't make it.
One of the pros in adding VBV / MSC, merchants can also accept Maestro cards.
Look at your stats - your customers and chargebacks. Each merchant will be different and it might help some. I used it once (as a customer) when it was first offered and had no problems. Now, it could be many merchants are trying to implement it and the systems are overloaded. Just my opinion there, but seeing some of the things in the past that has happened, it would not surprise me.
Some of those that took the time to email us assumed that they couldn't order from us because they didn't already have VbV on their card.
Others refused to sign-up on our website, because we are a small site, and would it prevent them from ordering at other sites?
I suggest that if Visa wants to assign PIN codes to their cardholders, they do it without forcing merchants into the sign-up process.
- I have called Visa on at least four occasions. After the first two, they asked me to call in the middle of a transaction so they could debug in real time. I've now been through this twice - on the phone for 45 minutes debugging in real time and still Verified by Visa doesn't work.
- it is utterly unpredicatble. It comes up with my user name and that user name has been anything from my first name to my last name, but has never actually been the user name on the Visa online account. This is the root of the problem.
- It used to work by saying that I am not enrolled and going through the thing where I enter my social security number, birthdate, security code and all that, but in this last transaction that failed as well.
- When it failed it never gave me any meaningful information - no indication of failure or anything of the sort. That could have been a merchant problem, but VBV has always been cryptic and I'm not exactly a neophyte web user unaccustomed to shopping online.
I don't know if I'm just especially unlucky, but I'm starting to feel like gpilling and wlauzon - that I will just abandon purchases if I see the VBV logo or screen.
I certainly *don't* intend to imply that you folks aren't having serious problems with it; obviously, you are. But it *can* work just fine, and it *has* worked perfectly in every case where I've purchased from a site that used it.
er, sorry, I meant elaborate, and now it's too late to edit.
>>But it *can* work just fine
Frankly, for me as a consumer, not a merchant, if I can pay with Paypal, that's a big plus. It is the most hassle free method. Never a failure or an issue, and I don't give my CC number to a merchant I may not fully trust. If I have to leave a CC and there's no VBV, that's a neutral. If I have to go through VBV that ranges in my experience from a hassle to making the purchase impossible.
My guess is that they had sneak peeks at the programs. Still, they have resisted implementation; I wonder if when they looked at the numbers they figured it was better to continue internal fraud scrubbing and forget about these programs which may have cost them sales.
Maybe we should be asking why places like Zappos and Amazon, and a few other big boys I can think of, haven't implemented VbV and MCSC...