GoFuckYourself.com - Adult Webmaster Forum - View Single Post - iBill is all style

Kimmykim · 07-20-2003, 10:01 AM

As I understand it -- keep in mind this is just my understanding since it's not ePassporte -- there was initially a go ahead for the trial/first trans to be VbV. Then there was a reversal of that decision. Now it seems to be back and forth, back and forth, but I haven't asked about it in a few weeks with all the other crap going on that's more important.

I'd love to see it happen, even if it is just on initial transactions -- however, *I* personally don't know that the banks and their customer service departments can or will go for it, and at the end of the day if enough of them don't like it, then it's out.

I had to look really hard on the B of A website to find the rules for the consumer using it -- I was ordering some flowers online and after my purchase I got a pop for it, directly from B of A - nowhere in the pop did it mention that you were giving up your rights to charge back if you did it. That was in the fine fine print buried in the website at that time and I assume it still is hidden in there.

I simply do not see how the banks can claim zero liability to the consumer and then not explain very clearly what VbV does and doesn't do for the rights of the consumer, in plain words, at the point where the consumer makes the choice, within a certain distance of the box where the info is inputted, just like the rules for purchasing online.

*Sigh* of frustration with the entire situation.

I see these rules and regulations and while I understand their purpose for Visa and Mastercard I also do not see the end result anywhere near matching the intention.

Putting a Band-Aid on an amputation does not stop the blood flow, nor should it make the amputee feel better about the loss.

At this point I don't see how the system is going to self-correct, all idiotic rules aside. The card companies perpetuate the fraud JUST AS MUCH AS ANY site does, with their foolishness in creating a society of consumers that feels that they simply don't have to pay, because their bank will give them a break if they say they didn't do it.

To my way of thinking this is like raising a child to believe that he can get in as many scrapes with money or whatever as he wants and that by saying he didn't do it or he didn't mean to do it, he then has no consequences. If I raised my child like that, we'd both be on the streets or in jail soon after.

To hold merchants accountable for situations they cannot control -- and no, I am not saying there are no scams or really bad sites out there -- is simply beyond comprehension to me.

It all just makes me weary.

07-20-2003, 10:01 AM
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	As I understand it -- keep in mind this is just my understanding since it's not ePassporte -- there was initially a go ahead for the trial/first trans to be VbV. Then there was a reversal of that decision. Now it seems to be back and forth, back and forth, but I haven't asked about it in a few weeks with all the other crap going on that's more important. I'd love to see it happen, even if it is just on initial transactions -- however, I personally don't know that the banks and their customer service departments can or will go for it, and at the end of the day if enough of them don't like it, then it's out. I had to look really hard on the B of A website to find the rules for the consumer using it -- I was ordering some flowers online and after my purchase I got a pop for it, directly from B of A - nowhere in the pop did it mention that you were giving up your rights to charge back if you did it. That was in the fine fine print buried in the website at that time and I assume it still is hidden in there. I simply do not see how the banks can claim zero liability to the consumer and then not explain very clearly what VbV does and doesn't do for the rights of the consumer, in plain words, at the point where the consumer makes the choice, within a certain distance of the box where the info is inputted, just like the rules for purchasing online. Sigh of frustration with the entire situation. I see these rules and regulations and while I understand their purpose for Visa and Mastercard I also do not see the end result anywhere near matching the intention. Putting a Band-Aid on an amputation does not stop the blood flow, nor should it make the amputee feel better about the loss. At this point I don't see how the system is going to self-correct, all idiotic rules aside. The card companies perpetuate the fraud JUST AS MUCH AS ANY site does, with their foolishness in creating a society of consumers that feels that they simply don't have to pay, because their bank will give them a break if they say they didn't do it. To my way of thinking this is like raising a child to believe that he can get in as many scrapes with money or whatever as he wants and that by saying he didn't do it or he didn't mean to do it, he then has no consequences. If I raised my child like that, we'd both be on the streets or in jail soon after. To hold merchants accountable for situations they cannot control -- and no, I am not saying there are no scams or really bad sites out there -- is simply beyond comprehension to me. It all just makes me weary.