Ordering from OcUK

Jaaay · 11 Mar 2007 at 20:15

Hey guys im having a bit of trouble with my order process.
Im not sure if this is the right section, if it isn't feel free to move it

Ok, the situation is, ive entered all my billing/credit card details etc and selected shipping date.
I clicked on the continue button, which brought me to the confirm order page i then typed in my security code, i then clicked the confirm order page. Then i brought me to this page about Natwest secure online purchase thing, it was optional, so i decided not to sign up, so assumingly i think the order has gone through.

When i went on to the 'Your Account' page and it says,
"You currently have no outstanding orders."

So im not sure if the order hasnt gone through or if it is processing. I remember the Natwest thing being optional, so i would have thought this wouldnt affect the order.

I am just looking for reasurrance, if anyone has any advice, or if they couldnt point me in the right direct from here..

Cheers
Jay

Ak!ta · 11 Mar 2007 at 20:23

As far as i know, you have to use that Secure Online Ordering Authentication if your order is over a certain amount. All it does is ask you to enter your pin number for your card to authenticate the order. It connects directly to the bank, and has nothing to do with OcUK !!!

If your not sure if your order has been placed or not, just give them a ring in the morning !!!

mishima · 11 Mar 2007 at 20:23

Hi there,

I have had this before also, your order should have gone through. Other e-tailers have this process assigned to the order process too. If in doubt though, ring up OcUK first thing tomorrow morning to check the order has gone through!

Jaaay · 11 Mar 2007 at 20:29

Ak!ta said:
As far as i know, you have to use that Secure Online Ordering Authentication if your order is over a certain amount. All it does is ask you to enter your pin number for your card to authenticate the order. It connects directly to the bank, and has nothing to do with OcUK !!!

If your not sure if your order has been placed or not, just give them a ring in the morning !!!

Hey, does it cost for this Secure Online Ordering thing?
Total order comes to £674.29...

mishima · 11 Mar 2007 at 20:32

It doesn't, they encourage you to use it to help prevent fraudulant practises occuring on the internet. Be careful you don't have two lots of this order coming though if you do happen to go through the process of ordering again!

Ak!ta · 11 Mar 2007 at 20:35

No it does not cost anything, it's just a thing the banks have brought out to help make online ordering more secure. ie you have to enter your pin number to approve the transaction (just stops people ordering stuff online if for instance they steal/find your card). Your order should go through, but it will be processed as "person not present".
If you do sign up to it, you can use it at all etailers that use this system...

Jaaay · 11 Mar 2007 at 20:35

mishima said:
It doesn't, they encourage you to use it to help prevent fraudulant practises occuring on the internet. Be careful you don't have two lots of this order coming though if you do happen to go through the process of ordering again!

Hmm, im not sure, i'd rather not get tangled up in this, it says its optional, so i should have the choice..
Ill probably give them a ring tomorrow.

Ak!ta · 11 Mar 2007 at 20:40

I would leave it for now, then call them tomorrow to confirm order..
You can always sign up to this scheme next time you order something !!!

Jaaay · 11 Mar 2007 at 21:32

Ahh crap, i think i ordered the same things twice :rolleyes:

Defiently need to give them a call tomorrow, try and sort things out..

Jaaay · 12 Mar 2007 at 17:02

Just tried calling their support number.. i cant get through.
Ugggh, i want my pc

Reality|Bites · 12 Mar 2007 at 23:14

You don't enter your PIN number that would be silly lol

You just create a password for your secure account with the bank.

Dave M · 13 Mar 2007 at 09:04

The only way to 'skip' the security page is to use a cancel button or link provided by the bank - I don't know if VISA / Mastercard rules have changed but once upon a time all banks offered the option to skip but more and more are stopping doing so now.

Just closing you browser at the security prompt means you have paid nothing and there is no order - authorisation of funds comes after the security stage.

Entering your details there will essentially register you for your banks security scheme.

I would recommend though you go to your banks site and register there (probably a link on your internet banking - there was on mine, not Natwest though) as the interface is better and you can specify things like a secret phrase (so you know it's Natwest you are talking to) and a special pin or pass code just for internet banking.

It's only a matter of time before it becomes mandatory (like chip and pin in shops) and at least you know if you register no unscrupulous type can register in your name. Your bank will ask you security questions when you register but an identity thief may well have the answers, he can't ever know a pass code and secret phrase you made up though.

mishima · 13 Mar 2007 at 09:19

I ordered some stuff yesterday, 'Verified by Visa' box appeared, I didn't bother to fill out the form (to see what would happen) and sure enough the order went through. If its a security measure by the banks to step-up on fraudulant activity it doesn't seem to be very convincing!!

Ak!ta · 13 Mar 2007 at 09:23

Reality|Bites said:
You don't enter your PIN number that would be silly lol

You just create a password for your secure account with the bank.

and then enter the pin for it ? :rolleyes:

BTW my bank had pre-registered me with this scheme and the pin/password was set to my normal pin number ?

mishima · 13 Mar 2007 at 09:25

I signed up to the scheme about 3 weeks ago, I never had to inset my PIN and if I had of been requested I certainly wouldn't of gone ahead with it!

El Jimben · 13 Mar 2007 at 17:47

Ak!ta said:
and then enter the pin for it ?

BTW my bank had pre-registered me with this scheme and the pin/password was set to my normal pin number ?

I'm pretty sure they can't pre-register you for MasterCard Secure or Verified by Visa, as then someone else apart from you would know your password, which defeats the purpose of the security.

I unfortunately work for one of the big UK banks (sorry) and I would like to clarify that at no time should you use or enter your pin number online, as you only need this to withdraw cash or make purchases at the point of sale.

The MasterCard Secure/Verified by Visa thing just allows you to setup a password so that you when you shop at retailers participating in the scheme, you'll be prompted to enter this to verify that you are who say you are. Tbh, it's just a way for the banks to say 'that purchase can't be fraud because our systems tell us that a password was used to verify the transaction' :rolleyes:

Jaaay · 13 Mar 2007 at 20:15

Didnt bother with the Natwest thing.
Just used another 'card.

should have been posted today, should be here tomorrow

Im positive that the Natwest Secure thing is complusionary not optional, i phoned the sales line yesturday and the guy explained to me that the card would fail to go through if i didnt sign up. So in the end, i just used a different card, as i wasn't sure if i would be charged for this privilage of being 'secure', you know banks these days..

El Jimben · 13 Mar 2007 at 20:19

Jay™ said:
Didnt bother with the Natwest thing.
Just used another 'card.

should have been posted today, should be here tomorrow
Im positive that the Natwest Secure thing is complusionary not optional, i phoned the sales line yesturday and the guy explained to me that the card would fail to go through if i didnt sign up. So in the end, i just used a different card, as i wasn't sure if i would be charged for this privilage of being 'secure', you know banks these days..

It is free, look here http://www.natwest.com/personal02.asp?id=PERSONAL/DAY_TO_DAY/CREDIT_CARDS/NATWEST_SECURE

And I'm sure it isn't compulsory, as I ordered something from a competitors site at the weekend and when the dialogue box popped up, I just chose the 'no thanks' option and my purchase went through fine.

Dave M · 14 Mar 2007 at 08:51

It's called 3D-Secure, branded as 'Verified by VISA' and 'Mastercard Secure code'.

If a sale uses the 3D-Secure channel the shop is protected against fraud (a liability shift), if they do not and the card holder denies participating the card issuer raises a charge back against the shop and the money is taken back.

If the sale is 3D-Secure then it is just like in-person sales (e.g. chip and pin / signed for) and the liability is shifted to the card issuer.

12 months ago every issuer offering 3D-Secure offered customers the option of skipping the security check, as more shop are offering 3D-Secure I think the liability shift has stung them and so they are removing that option - enforcing security to reduce fraud.

The shop could design their checkout so that there is a skip button of their own, but doing so would mean it was not a 3D-Secure sale and if the card holder denied participating it would be charged back, costing the shop money.

It is up to each business to decide if the possibility of losing sales to people who do not wish to use 3D-Secure is a greater risk than that of fraud.

Of course many online shops don't even use 3D-Secure so you will never see any sort of prompt, but again, that is a decision they make for technical and business reasons.

Dave M · 14 Mar 2007 at 08:54

Oh and I still can't quite believe the uk banking industry hasn't started advertising it yet, it was out long before chip and pin and look at the adertising blitz that got.