Quote:
Originally posted by Trixxxia
Just for those who may be more informed with the debit cards - If they work anything like regular debit cards, shouldn't it be harder to charge back if you are using a PIN to confirm the transaction since nobody is *supposed* to have access to your PIN?
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I use a check card but I've never come accross a site that takes my PIN number. In fact, I'd be leery if one did and probably forget the order. Your idea about the separate internet PIN (IPIN) is the way to go. That Verified by Visa thing is generally the same concept -- and it has to go through a Visa server directly so it can't get out easily -- but I've no idea what's taking them so long to implement it. They advertised it so long ago that I'd forgotten what it was... and psyko514 says they're now only experimenting on a few sites.
I would assume the order page needs to detect that the card is Visa and only redirect when it is. Then, it either needs to detect a response from Visa or have all the order form variables passed through during this little step.
psyko514: I emailed Visa for more details on being a guinea pig. Do you know what kind of time-line merchants are looking at before this becomes a little more widespread? I know you aren't in the US, but any idea if this will be a defacto chargeback stopper? (sans cases of merchant fraud)