The other day I started planing a big trip, obviously entirely online. I can’t conceive planing this trip on my own without the internet, it is really useful, easy and fast.
Except when you want to pay for things with your Visa Card. It went like this: found a museum or hotel I wanted, check for availability, add to cart, put my credit card data, checkout, enter my Verified by Visa password, return to cart, get a rejected by Visa message. Try it again, the same result.
Next step, call Visa. Dial phone, enter my credit card numbers, enter my birthday, enter 9 to talk to a person, wait 10 minutes, explain I want to buy something online and get rejected, get forwarded to the people that can help me, wait 5 minutes, explain I want to buy something online and get rejected, get forwarded again to the people that can help me, wait 5 more minutes, explain I want to buy something online and get rejected, they told me that its true, ask me some questions to verify I’m me, approve the transaction and tell me I have to go again to the website and buy again. Effectively, now I can book the hotel. To be noted, I call them on three opportunities, and in all of them they forwarded me two times to the people that handled online purchases.
But, this it not the whole story. As you can guess, when you plan a trip, you buy lots of tickets, hotels, planes, etc. So, I asked the Visa people if they can unblock my credit card for online shopping, at least for a week, so I can plan my vacations without all this time on the phone and having to buy twice on every site. But I was out of luck, for my security this can’t be done, I’ll have to call EVERY TIME I purchase something online to be authorized by them, even with the Verified by Visa protocol the have online after every purchase.
The estrange thing is, this only happen with one of my cards, I have another from another bank from which I bought things online since 1999 without any problem, both from Visa.
I really don’t understand this procedure. They have several measures to avoid this but I have to make a 30 minute call for every purchase.
If for any chance there is a Visa guy reading this, if you really must add a third verification layer for online shopping, here is an alternative: put a list for user approval purchases on the “Visa Home” website, you know, the one you host with all my credit cards data, so I can go there and verify every purchase without a phone call, can do them in bulk, and I get to use my credit card more securely online with the certainty that no online purchase can be made without my express approval.
Otherwise, you just fucked online shopping for everyone.