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Debit card without Verified by Visa?
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[Deleted User]
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Are there any current accounts left that don't force that steaming pile of dung Verified by Visa on to you?
I use NoScript and RequestPolicy (Firefox addons) which stop website spewing data where they like/running code willy nilly to increase security and whichever random domain name VbV uses this week always gets blocked, making paying for anything online incredibly frustrating.
That, and I don't want yet another password to remember for something I use maybe once a year.
Is there anyone left who doesn't make you use it? Cheers in advance.
I use NoScript and RequestPolicy (Firefox addons) which stop website spewing data where they like/running code willy nilly to increase security and whichever random domain name VbV uses this week always gets blocked, making paying for anything online incredibly frustrating.
That, and I don't want yet another password to remember for something I use maybe once a year.
Is there anyone left who doesn't make you use it? Cheers in advance.
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But by the by since '3D secure' was rolled out I've not had to enter a password for any of my transactions. I don't know if that's unique to MasterCard or if Visa are doing the same thing. I also don't know how/why I've suddenly been saved the bother. I still get directed to the 3d page but after a few seconds it just approves the transaction without me having to do anything.
Verified by Visa, and the Mastercard equivalent are both pretty important in preventing fraud by ensuring if your card was stolen or lost it couldn't be used online.
That's not to mention that such systems actually also protect the retailer from liability (with old fashioned 'ordinary' MOTO transactions the liability falls on the retailer).
As a retailer who used to have an online store I wouldn't want somebody to be able to place an order without 3D authentication as I'd incur a loss if it was a fraudulent order.
As a cardholder would you really want a system whereby all somebody requires is the info on your card?
This is true for many low risk transactions (ie. paying council tax online) and online stores you visit often, but I think the OP was more troubled by the fact his browser add-ons prevent 3D authentication from working at all in the first place.
I use a credit card online 99% of the time, but some places require you to use a debit card (paying a credit card bill for example). I mustn't really buy much online anyway as the Mastercard nag screen very rarely shows its face.
I had registered for it years ago when it was new but I had to complete the forgotten password form every time I used it which was a pain so I asked the bank to take it off. They did, but as soon as I used it again it forces you to re register.
I have doubts about the merit of VbV because if I lost my card, someone could bash in the debit card details online, use the forgotten password feature and the only extra info they need is DOB! If they found my wallet it's written on my driving licence, which I need to carry too as even though I'm nearly 30 I STILL get ID'd in supermarkets. But that's another rant...
Hmmm... you've got me thinking now.
I must admit, the last time I forgot my password for VbV, I'm 100% sure I had to answer three separate security-check questions, one of which was DOB, I think another was mothers maiden name, and one other.
This is the case much of the time. All it means is that the Visa computers have assessed the transaction as being low risk.
You should only be asked the password for 'suspicious' or at the very least potentially shady transactions.
As aforementioned I never get asked for the password when paying Council Tax or electricity bills online, or Just-Eat (who I order from a lot
I hardly ever use anything but a debit card.
With a credit card, people can withdraw amounts up to the credit limit (£1000s in my case). You may or may not get it back, but it's something you have to pursue.
With a debit, they are limit to how much is available. (Admittedly still quite a lot at times, but I also have an Electron card which currently has £20 on it; that's the extent of my liability.)
Debit cards also don't generally attract surcharges. (And, most important for me, I don't forget about the purchase until weeks later when I get the statement and realise I've spent the money on something else, or then put it aside, and forget about the payment due date and get lumbered with late payment charges.)
(Credit cards provide some payment protection, but that's something I've rarely had to use. I also don't like the way it works: you buy something for £4900 cash + £100 on the credit card, but the card company is liable for the whole £5K. That's wrong.)
Paypal doesn't use it either so you could use any retailer which accepts payment by them.
Credit cards only occasionally attract a surcharge and apart from DVLA I've never come across it online. Using a DC online is a bad idea. Using a CC is as good as it gets.
I see surcharges online all the time. (Car parks, tickets, ferries, flights etc.) (You don't see them in shops possibly because it's illegal to discriminate.)
So I use debit cards in the UK, because they are cheaper and far more hassle-free (nearly as good as cash), and credit cards abroad (but only because debit cards incur charges).
Certainly a shop will prefer debit cards although they are not allowed to say so: they avoid cash-handling costs, and also the hefty percentage fees on each transaction that they get with credit cards. They also know they will get the money without the claw-back that is possible with CCs, often through card-holders themselves making fraudulent claims.
So shopkeepers pay for the all the benefits you mention, as well as card-holders in higher fees and interest rates.
It's a nuisance every time it comes up. At first I kept forgetting passwords too, and I didn't think it gives many goes at getting it right before it blocks you.
Then, it won't tell you what it was, you have to think of a new one (but it knows enough to tell you it's the same as the old password, and that's not allowed!).
Consequently, all my passwords are the same but tend to end in 1, 2, 3 etc. The next reset, it'll end in 4.
That's the whole point. Why wouldn't you dispute an unrecognised transaction immediately? I wouldn't even wait for my statement to arrive. I check my account online every few days. As soon as you raise the dispute there is no obligation to pay.
I did that once with a dispute over damage to a rented car (the car rental company were either crooks, or incompetent). But not until I'd tried to negatiate with them, by which time it had been paid. It took a couple of months for the CC company to reimburse me.
That wasn't the end of it however, as about a year later, the major car rental company behind the local one tried to re-claim the money via a debt collection agency (with no success so far).
That is not a fraudulent transaction. You gave them your CC number and would have agreed in signing paperwork that they could claim from it for damages. So this transaction is a dispute not fraud. If it was fraudulent the bank will take it off your statement straight away you wont have to pay anything.
Same for me. No matter if I am at home or out and about.. I find that really odd.
Passing on card processing fees to customers is perfectly legal.
For me, I do the opposite. I use credit cards for all my main purchases due to the extra protections you get from Section 75 of the consumer credit act, and I have a debit card with zero fees for foreign transactions so I tend to use that for day-to-day purchases abroad.
BIB - Sure they are. They don't because people would likely vote with their feet and shop elsewhere, but if every shop decided to pass on card handling fees to the customer then people would have no choice but to pay if they wanted to use credit cards.
Besides, there's an argument that everyone pays for them anyway as major retailers almost certainly factor the overall costs of accepting card payments into their pricing model anyway.
Which credit card providers don't allow you to pay by BACS?
But every mooing time it tells me my password is wrong, so I reset it, write it down..but next time guess ...I can change it then go back 2 mins later and guess what...Ive now memorised the reset info and just click on reset password rather than try the password
All forms of payment has associated costs. For cash the takings have to be counted, transported and banked plus there is the security risk of having large amounts of cash on the premises
So a shop is allowed to have a discount for cash, or even a debit card, or a surcharge for a credit card?
I think recent changes stipulate that any surcharges should reflect actual costs, but I don't know if that happens in shops anyway. At least I don't recall seeing discounts or surcharges for different forms of payment, only sometimes minimum transaction amounts.
But I would be annoyed if I paid £100 by debit card and the shop got £99.80 of that, and the next person paid £100 by credit card and the shop eventually got £98.00 if they were lucky. Is that £2 deficit being subsidised by higher prices for everyone? Something doesn't seem quite fair.
Probably none, at the time I had a DD coming out to pay the last payment on a card but just wanted it done and dusted early so was going to pay it with the debit card.