Verified by Visa

[n20998]

Hi,

 

I'm interested in how Verified by Visa is supposed to work. I'm in dispute with a merchant and I know that when I make a transaction with the merchant, the Verified by Visa screen is shown but it just 'goes through the motions' and doesn't ask me for any details. Is this right?

 

Thanks

[fkofilee]

Depends upon your bank...Nationwide use the service but dont ask you to sign up where as Natwest do use it.

Its hit and miss.

 

VBV is only for security to verify cards purchases etc... Not really much more.

Whos the company you are disputing with?

[n20998]

Thanks, the bank is Barclays and the company is a gambling organisation, Betfair.

[BazzaS]

When I get a "verified by Visa"'screen it usually asks me for 3 characters (but also shows a pass phrase to confirm its a "real" VBV page)

 

I've wondered if it is susceptible to "man in the middle" attacks, but I digress....

 

A few times it looks like it is going to VBV but the transaction just authorises without asking for the 3 characters from my passcode......

[n20998]

Yes that's what I'm talking about. I'm wondering if the merchant has any control over this. Is it ok that I'm not asked for the characters? With Visa, isn't entering the characters how you authorise the transaction?

[dx100uk]

no entering your 3 digit CVV code on the back is

Barclays sadly don't use the 3 #Chrs of a password.

co-op do sometimes

Lloyds do .

nationwide do

 

not sure on the rest

 

so whats your dispute regardless to proving if/if not how you paid?

[n20998]

Thanks, the dispute is quite complicated.

 

 

My position is that the merchant have not acted correctly as per their own terms and conditions and the conditions of their license as given by the Gambling Commission and as such all the transactions are invalid.

[dx100uk]

so what t&C's have they broken

and what did they do or not do?

[n20998]

Hi dx, thanks for the interest.

 

 

To be honest I don't want to detail it at this stage

- I've written a letter before action to the CEO so will see what happens with that.

 

 

I was thinking of this as a different way of resolving the issue.

[citizenB]

Hi dx, thanks for the interest.

 

 

To be honest I don't want to detail it at this stage

- I've written a letter before action to the CEO so will see what happens with that.

 

 

I was thinking of this as a different way of resolving the issue.

 

 

If it doesn't work, are you intending to follow through on the LBA ? If not, then it was not a good idea to send it.

[n20998]

Hi, yes I am. Why do you say it was not a good idea? Thanks

[Stigman]

Only ever send a letter before action if you are fully intent on going through with Court action.

 

With the VBV, I bank with Barclays and have multiple accounts. When one of us pays via card, a long time ago it used to ask us for memorable data but has not done so for the last 3 - 4 years.

 

Stigman