Verified by visa

djerk

here's another banal topic..

was just trying to buy tickets for body&soul and now im locked out for at least a day cause i couldnt rem that feckin password.. i even tried to change it after gettin it wrong twice.. but they saw me coming it seems.

djerk

ps. paying 130 euro for jon hopkins, tokimonsta, dark side and james holden alone..

Sir Arthur Daley

[QUOTE=djerk;90739993 but they saw me coming it seems.[/QUOTE]

Where did it squirt?

artanevilla

Fairly easy to reset the password though, which is nice as I've never once remembered it.

SureYWouldntYa

Why do people get so pissed off at this one password ?

Everyone seems to have trouble with it

djerk

artanevilla wrote: »

Fairly easy to reset the password though, which is nice as I've never once remembered it.

tried that.. got banned.. through ticketmaster anyway!

J_E

Thanks for bringing that lineup to my attention...pleasantly surprised. Looks like Electric Picnic isn't even touching it this year.

Seriously though - I'd rather the inconvenience of forgetting a password than the risk of someone getting free reign to my bank account just knowing a few numbers.

The Backwards Man

My password for everything is 'resetpassword' No trouble remembering it.

djerk

SureYWouldntYa wrote: »

Why do people get so pissed off at this one password ?

Everyone seems to have trouble with it

yeah.. its like one of those when did you learn to type questions..

verified by visa = curse of never remembering that password = loop = create new password = death

smellmepower

Write important passwords down and stick them under your bed or in a drawer,handy as feck.

djerk

haha

its bizarre.. we can all generally rem our passwords.. but when it comes to the verified by visa password..

brains!

djerk

dropbox.com/s/uacgllg9kmh9em6/Screenshot%202014-06-08%2004.38.53.png

2nd try here.. wasnt even asked to enter my verified password.. fsake.. might just ring them and sort it out at this stage cause this is so backward

Flaming Juno

Your mistake was trying to remember it in the first place, next time just click 'forgot password?'

djerk

jeje .. then you get faced with problem of every variation of a password youve already thrown at it everytime you forgot your password!

Celly Smunt

It always asks me for a ninth character and I dont even have a ninth character in my password. This is hella annoying having to go back and try put the order through again.

littlelulu

I NEVER remember this. I don't even bother anymore, just automatically go to forgot password!

Teyla Emmagan

God I hate hate hate hate hate hate ****in hate verified by ****in visa.

I will find another seller rather than use it if I can it brings me out in such a rash.

.red.

The Backwards Man wrote: »

My password for everything is 'resetpassword' No trouble remembering it.

Liar! It doesnt sign ya in here at all!

Ted_YNWA

Post your password here & we can remind you of it.



















The level of your savings may rise as well as fall.

Calibos

So few websites use 'verified by Visa' that there is usually a few months gap at least between uses of it so one tends to forget it.

iDave

Its getting more and more common so get used to it. Merchant aquirers usually insist on it and businesses wont be able to transact online if they dont add it to the website.
For what its worth its a very good tool to prevent fraud.

strobe

They should really just cut out the intermediate process entirely and ask you directly to respond to an email to confirm your identity.

topcatcbr

I save it in the notepad app on my phone.

Riesen_Meal

strobe wrote: »

They should really just cut out the intermediate process entirely and ask you directly to respond to an email to confirm your identity.

Sure no ones ever hacked an email account have they?

Del2005

I can remember it but I always have to count on my fingers to figure out which letter or number they want. And then I loose count and have to start over.

dudara

Why do people have so much trouble with this one password? It's probably one of the more important passwords, especially as security measures like this are only going to get more and more common.

strobe

Fieldog wrote: »

Sure no ones ever hacked an email account have they?

It's a false dilemma you're presenting. If someone has hacked your email account they can just reset the password. No difference.

Riesen_Meal

strobe wrote: »

It's a false dilemma you're presenting. If someone has hacked your email account they can just reset the password. No difference.

They won't hack my email account

Google Authenticator ftw....

What's your mothers maiden name again? :P

Mikros

iDave wrote: »

Its getting more and more common so get used to it. Merchant aquirers usually insist on it and businesses wont be able to transact online if they dont add it to the website.
For what its worth its a very good tool to prevent fraud.

The fiip side of the "verified by visa" is the fact that it shifts the liability for fraudulent transactions back onto the customer. Whereas previously it was the retailer who took the loss.

The other big problem with the system is how it is implemented - typically as a pop-up (so no address bar) or as an i-frame in a site. This makes it much more difficult for the average user to identify the source of the password page - is it the bank or is it a phishing page.

So potentially if a user had their details scammed they might have a lot more trouble getting the money back because the "verified by visa" password was used.

The Backwards Man

dudara wrote: »

Why do people have so much trouble with this one password? It's probably one of the more important passwords, especially as security measures like this are only going to get more and more common.

I think it's because it's one of the least commonly used ones, for me anyway.

I would reset my password each time on any site I don't visit that often anyway.

Oryx

Lately I tried to use visa debit cards online
They had never been set up for verified by Visa, but as far as that system was concerned they had. So I couldn't answer the reset password questions because I hadn't set them up! I get locked out, on two cards, and had to phone the bank to get them cleared. Funnily enough they weren't surprised by this glitch.

lau1247

dudara wrote: »

Why do people have so much trouble with this one password? It's probably one of the more important passwords, especially as security measures like this are only going to get more and more common.

For me the problem was the criteria of password, e.g. 8 characters with mixture of letters and numbers etc.

I think most would agree that they have some password they would like to use but because of such restriction, we have to modify our ideal password and as such made it easy to forget the variation of the ideal password

Or maybe that is just me??

lau1247

Ted_YNWA wrote: »

Post your password here & we can remind you of it.



















The level of your savings may rise as well as fall.

If it is rising, you're doing it wrong :P

dee_mc

Just remembered mine on only the second try... feeling rather smug

maguic24

I constantly forget both the password and the answer to the security question. >.< I've had my account blocked 3 times. >.<

dee_mc

maguic24 wrote: »

I constantly forget both the password and the answer to the security question. >.< I've had my account blocked 3 times. >.<

Oh I've had to ring them every time except today - in fairness anyone who's answered my calls has been great and helpful!

maguic24

dee_mc wrote: »

Oh I've had to ring them every time except today - in fairness anyone who's answered my calls has been great and helpful!

Yes, same!! Always very nice and helpful.

InReality

A few times I was sure i put in the right password first time and visa rejected it.
I think it has a random bug which then makes people think they have forgotten their password.

djerk

well.. the plot thickens..

day off work.. am tired and nowhere in the mood for cooking, so decided to order some takeaway via justeat.. (which doesnt even ask for a verified by visa password iirc)

of course my card is blocked now!

so this may be my last post.. as i wither away into a skeleton of my former self.. with nowhere to go, unhappy and malnourished, lost in this abyss of not being able to spend my money!!

_Whimsical_

Ye aren't buying enough online. You have to buy enough for rattling this password off to become second nature.

djerk

i buy ALOT online.. music hardware/equipment and instruments, clothes, wet suits (and other water stuffs).. pay for music.. order lots of vinyl.. et cetera... none of these sites ask for this silly feckin password... things that cost up to and over a thousand euro.

verified by visa = should have learned to play the piano

Canis Lupus

djerk wrote: »

i buy ALOT online.. music hardware/equipment and instruments, clothes, wet suits (and other water stuffs).. pay for music.. order lots of vinyl.. et cetera... none of these sites ask for this silly feckin password... things that cost up to and over a thousand euro.

verified by visa = should have learned to play the piano

Sites have to pay visa for the service which is why it doesn't always show up.

djerk

that doesnt make any sense.. cause if they didnt have that "3rd party" password the seller couldnt access your account to debit funds..?

Canis Lupus

djerk wrote: »

that doesnt make any sense.. cause if they didnt have that "3rd party" password the seller couldnt access your account to debit funds..?

Sorry, not understanding you there.

djerk

eh.. using visa and.. the verified by visa thing are two kettles of fish

ofc now i just realise i have a weeks pay in an envelope in front of me and could have paid in cash.

Canis Lupus

djerk wrote: »

eh.. using visa and.. the verified by visa thing are two kettles of fish

ofc now i just realise i have a weeks pay in an envelope in front of me and could have paid in cash.

Still not sure if I understand what you're getting at but VbV is a security layer provided by Visa to a merchant at a cost. There are many transactions that actually pass through the VbV system unbeknownst to you, it's just the system doesn't consider the transaction high risk enough to challenge you. Challenges aren't always based on amount. Surprisingly enough takeaway food is a popular fraud tester hence why you might see VbV challenges for it. Dominoes UK is a big fraud tester for example.

The reason why merchants sign up to the VbV service and pay a fee for it is that it makes them immune to chargebacks (ie if fraud happened and the transaction was VbV approved (even if not password challenged) then the bank/financial institution has to pay back the card holder and can't recoup the money from the merchant).

fasterbetter

Seriously though (I know I know!)

this has to be one of the stupidest pieces of online security ever invented

first of all you dont use it very often..maybe 3 or 4 times a year for most people when you buy something somewhere new.

The password requirements are tough so many people have to make up a special password for it

Then when you are asked to use it you have to type in random selected characters out of 12.

For me and for a lot of people this means writing down the password to pick out the right letters thus defeating the whole object of the exercise.

not a big fan!!

_Kaiser_

I hate this bloody thing - it never works right with my visa debit card so I often end up paying with the credit card (which does work) and having to shuffle money around.

Not sure who this is supposed to benefit either as most sites don't use it anyway and as long as you're buying from reputable sites, you shouldn't have a problem (or just use PayPal).

I DID have a card skimmed once alright but that was back in the day before chip and PIN when they would take the card off to be charged in restaurants. Wasn't a big deal though.. the bank rang me straight away when some unusual activity showed up and they refunded it all in a few days anyway.

I can't stand this bloody SEPA nonsense though. All my DD dates are fecked up since it came in and it's a pain in the ass with these new account numbers when you've been using the same ones since 1995. Again, questionable benefits - oh sure you can transfer money out of state easier, but that's why I have a credit card/PayPal! I don't need that crap on my regular Visa Debit/current account. Of course the best thing is that almost all the banks now charge you fees for making your life harder like this.

Thankfully though I read recently that passwords should be phased out in the next 5 years anyway and replaced with biometrics so I can't wait for that. Far more secure too - unless you're that poor warden in Demolition Man!

UCDVet

SureYWouldntYa wrote: »

Why do people get so pissed off at this one password ?

Everyone seems to have trouble with it

A couple reasons, IMHO

First, you are redirected to an unrelated site. So I'm on www.SiteITrust.com and I go to pay, then I end up on a totally different page. How do I know it's not a scam site I've been redirected to, verse a legit Visa site?

Well, if I'm like most people - I don't.

The official site says:

As part of the payment verification process, you will see a personal message that you provided when you signed up for Verified by Visa. Only you and your bank know what the message is so you can be confident you are in a genuine Verified by Visa process.

Well - that sounds good, in theory. But I just ordered something on line last week and I honestly didn't know I had a secret message that was displayed. And, given the number of people who are just plain clueless, they'll just go and try to 'reset' the password.

All you need to do is setup a site that looks like the real verified by visa. People know, 'Oh yeah, sometimes I have to do this b.s.' - whatever password they put in, you say is no good, and you provide a reset link. Ask them questions, accept any answer, say they've logged in, then give a b.s. technical reason why they need to re-enter their card information. Bam - you're scam site just got you a valid credit card and billing details. Redirect them to a generic 'Order complete' page, or a generic 'Error, please contact company' message. Either way, it doesn't matter.

Second - my biggest problem is that, a lot of times, using the Verified By Visa makes you MORE at risk. With my credit card, if someone charges something, I just go to my bank and say, 'I didn't charge that!' - and they give me back the money, give me a new card, and probably investigate a little. The bank doesn't really care, because they just go back to the merchant and say, 'That was fraud, give us the money back' (essentially). With the Verified By Visa, it's a lot harder. The merchant doesn't get the charge back (which they like) but SOMEONE is going to be left without money. The bank doesn't want that to be them. So, it becomes you. They'll say, 'Well, SOMEONE knew your password, AND your credit card information! It must have been you!'

For example:
http://www.financial-ombudsman.org.uk/PUBLICATIONS/technical_notes/disputed-transactions.htm

Our usual approach to this type of complaint is to obtain a range of information from the consumer and the financial business - including, for example, information about:
...
how the transaction was "verified" by the system (for example, by inputting a "PIN" - a personal identification number);

In theory, the extra password makes things more secure. In practice though, if your home PC is compromised, I can get every single thing do you on your PC. Everything you type. Everything you copy and paste. Every password you enter. In that situation, adding more passwords doesn't make stealing your stuff any harder for me; but it makes it harder for you. Because the bank is going to push back and say, 'I dunno - it looks like you did it'. Maybe it depends on your bank, and maybe people have had better experiences; my sister had this happen and the bank told her it was her problem. They gave her a new card with a new number.....but did not refund the charge she didn't make, because of the password thing.

Finally, it's just annoying. I've already logged in, shopped, entered my info, AND THEN, now I have to do this other thing. It's another part of an already complex system that can break or be down or have connectivity issues or a glitch. I've had times when I just gave up because I couldn't get the damn thing to work.

It's more work for me, so that the merchants can be better protected and I can get screwed more easily. What's not to love

UCDVet

To clarify - okay - it's a little harder than just setting up a scam site. You also need to compromise a legit site people shop at, or the machine they are using to get them to the scam site. Or you can send them a fake e-mail that sends them to a fake version of a legit site, that will redirect to your scam site.

I know it sounds a bit far fetched, but people do these things all the time.