Quote:
Originally posted by corvett
However, if we have a CVV2 match on the card, then it is very hard for the customer to dispute the transaction. CVV2 cannot be stored anywhere but on the VISA/MC network and on the card. If the right code was entered, then the person with the card had made the charge. It?s hard to convince the bank that you didn?t have the card on you at the time of the purchase when the CVV2 was entered.
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You do know that cvv2's aren't that hard to get? If you steal the credit card #s from an online store then you are most likely to get the cvv2's also. Most people who chargeback porn have had their cc # stolen from an online store where they made a purchase...since more stores now require cvv2's the more carders are getting the cvv2's when they steal their db.
Cvv2's are just as much proof as the cc # itself. If you would start to require pin # on the web then most carders would get them also and it wouldn't be much proof.