Verified by Visa rant!

Had this happen to me when it was an Amazon special timed offer - missed the offer due to it. Complained to Barclays, they gave me £50 'sorry' payment into my account.

Motto: Complain!
 
There are about 3 or 4 retailers I use where my Visa card always get declined if used online - all hardware retailers. Guess they're prime targets for fraudsters.
 
Myshra said:
I always wondered, is there a online transaction threshold level where you are forced to use these systems does anyone know? I imagine the amount of fraud cut down is fairly decent so there must be some break point for the merchant and/or the banks (assuming it costs a decent chunk to implement / operate this extra verification)
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It's down to the retailer whether they use it or not on any particular transaction, assuming their payment systems support this, so some retailers do enable it only under certain criteria, like the transaction being over a certain amount or if you're not delivering to the billing address.

This isn't because of cost, because in actual fact, it's cheaper to use 3DS in most cases. Many banks will charge extra "insecure transaction fees" on merchants that don't use it. The reasons not to use it are because sometimes it goes wrong and also it's a barrier to completion so these two reasons mean it can cost you orders.

If the merchant enables it, then it's down to the individual card issuer what they do, so some card issuers (banks) might allow you to skip it in certain situations.
 
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It's strange, this occurred to me the other day (Friday). Tried again and it worked fine.

Whereas the Mrs had same issue on Black Friday @ John Lewis, they had to phone through and reset her password.

Have you complained/spoken to them directly?
 
Awhile back it started happening for me every time I tried to purchase from OcUK - never have a problem anywhere else and even getting my bank to preauth it wouldn't prevent it getting declined and a right hassle with having to phone it through manually so I've ended up buying a fair bit elsewhere that I'd have normally bought from them.
 
I've only ever had a problem when buying through OcUK, had to phone in the card details which strikes me as being less secure. Works fine everywhere else.
 
Why is it called 3D Security? Just what is so three dimensional about it? I prefer to just call it what it is, "Another password".
 
My card got declined both by post and by phone last time.

A call to the bank followed where they told me that ocuk are a popular merchant for card thieves so are automatically blocked. A 48 pass was put on the card, so presumably I'll have to go through that again next time?

Doesn't such as much as the time my only card got blocked while away from home. Apparently using it in Edinburgh Waverly and then 5 hours later in Kings Cross is suspicious.
 
Computer parts are favoured by credit card fraudsters, as are games on steam and origin etc. as they have very high resale value and are cheap to ship (especially the games keys, given they are digital) so Visa et al are extra scrupulous for purchases from online sellers of said items.
 
Buy as gift. It's how sites like g2a.com and kinguin.net work. A lot of those games are sold as steam/origin gifts.
 
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I always get stuck on the verify system. Regardless of how many times I enter the correct password it fails so I reset it each and every time. Stupidly the reset info required is stuff that's easy to find should you have their card anyway. Kind of defeats the purpose of it.
 
Never had a problem with it but as I have a password system and have had to change it I literally have to reset it evertime.
It comes up to infrequently for me to remember but frequently enough to annoy me
 
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