damerell | (no subject)

(no subject)

Dear lazyweb,

Credit card provider who aren't tainted by Verified by Visa. Any suggestions?

Amex.

Cunning. Shame no-one takes it, really. :-)

Depends where you want to shop :-)

I need to get a Diner's Club card too, just to be perverse.

HSBC has not yet forced me to be molested by Mastercard.

"currently only available to existing HSBC current account customers". I see this is going to be fun.

HSBC will also try their very best to get to be Irritated by Stupid Pop-Up Windows of Unsafe, even if you're a current customer.

Lloyds TSB are similarly unincumbered.

Thanks.

Any Visa Electron card, but many online retailers do not accept them

Some tainted ones do, though, and moneysavingexpert suggests the Travelex prepay card. I might investigate that option.

visa electron has the taint. i use electron because i am so bad with money. you CAN just keep chosing to register later with most retailers, though...

quite frankly just accept it. soon sites wont sell you stuff unless you go through it.

That is true if and only if your card provider makes it mandatory.

or if the site has been told they are liable for fraud unless the transaction has been through "verified by visa".

Citation needed.

When I looked (~2 yrs ago) into what was involved in getting a credit card merchant account - even via worldpay - it was crazy. The terms were along the lines of "if there's a chargeback, you are completely on your own, unless you have carried out all security steps we advise you are reasonable [postcode/address check, cvv, 3d-secure] and you comply with their results, and even then if there is a chargeback we can decide not to help you out and you have no right of appeal".

Okay my statement may have been slightly bold.
i can see it coming though.

Speaking as someone sitting at the sharp end of this mess I thought I'd comment. *ALL* Maestro cards are required to have 3D secure verification for transactions to succeed. So that's one card brand down (though it is effectively a debit card). Interestingly there will be a mastercard "debit" in the future though this is not to circumvent SecureCode but to allow rebilling of the card without Mastercard having to admit they cocked up there.

Ultimately the card schemes can insist on 3D secure across the board and have threatened (and imposed, I gather in the case of mastercard) large punitive fines for non-compliance. It seems almost a certainty that this will be universal, what I think of that should be clear enough.

I don't recall my lloyds credit card ever requesting 3D but that was a while ago.

My Lloyds Visa Debit card now does (as of last week)

Not IME: a couple of years ago, one particular site (joker.com) insisted on 3d-secure for an online purchase, and required one to jump through ludicrous hoops if one's bank didn't support it. (Fill in your details on this web form; print it out; sign; tape your physical card to it; fax, or scan and email, to their accounts people.)

The Post Office Mastercard, aiui. I've applied for one in that belief, but I haven't got it yet so I can't verify the fact.

Thanks. I might have a go.

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