Quote:
Originally Posted by EukerVoorn
Thanks for explaining Tomas but it's really too technically for me. Can you translate to normal English (or Dutch) whether if card holder enters secure code, he can still go to his bank and claim he doesn't recognize the charge and get a refund? Also I was about to mail you today but want to check something first and will probably mail you tomorrow.
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In your example, it depends on the card type. But for the reason; No!
If he states that he does not recognize the transaction, and the card don't fall into this types: commercial cards, anonymous prepaid cards, new channels then he cannot dispute the charge. (he can, but the issuing bank will bear the cost)
However, if he say that: I have signed up, but the quality was so poor and the download speed to the servers made it impossible for me to watch the promised movies, the following will happen:
A dispute will be filed and sent to the Merchant/Processor - the merchant will send proof and the card scheme dispute team will judge the transaction. But the liability shift will not protect you here.
Quote:
Originally Posted by EukerVoorn
Also Tomas another question: does Zombaio require secure code to be entered on all transactions or are does it depend on the setup of the particular bank or card?
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We will first do a check to Visa or MasterCard directory servers to see if the card is enrolled, if it is enrolled, we will force the code. If the card or issuer does not participate, we will not ask for the code.