3D Secure liability... streamline/bibit- lots of promises...
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CEO at Just-eat.co.uk
24 April 2007 16:41pm
Hi Guys...
Streamline / Bibit told us (did talk to 5 different people to be sure)... that we would NOT be liable for any fraud if we implemented 3d secure... and that was IMPORTANT: NO MATTER if the card was a 3d secure or not.... now we just recieved a charge back and when we call they say that we ARE liable ... this is just typical big banking way of doing this....
SO... can anyone give me links, statements, evidence or something about this issue which I can use ... OR do any of you guys have the same situation as we do ?
Jesper Buch
CEO
http://www.just-eat.com
Europes biggest online food ordering service...
Director at Watson Hall Ltd
09 May 2007 18:44pm
The first thing to check is your contract with Streamline / Bibit. It may be the way the transaction occurred which means you are still liable. Is it possible the customer subsequently rejected the transaction due to a change of mind, failure to receive the goods or return of goods?
You might want to read:
http://forums.oscommerce.com/lofiversion/index.php/t203874.html
including the links at the end of the page.
Colin Watson
Technical Director
Watson Hall Ltd
http://www.watsonhall.com
Director at Dolls House Emporium
16 May 2007 09:58am
Hi Guys,
Here is an extract from a manual from our PSP.
"VbV and Secure Code
It is important to note that, providing the process is carried out correctly; the cardholder authentication procedure will only provide you with protection against four chargeback reason codes:
1) Visa Reason Code 75 (Transaction Not Recognised)
2) Visa Reason Code 83 (Fraud-Card Absent Environment)
3) MasterCard Reason Code 37 (No Cardholder Authorisation)
4) MasterCard reason Code 63 (Cardholder Does Not recognise-Potential Fraud)
Chargebacks can still be received on authenticated transactions for reasons other than fraud (e.g. late presentment, no authorisation, duplicate processing, goods not received etc)."
Seems to me you were intially misled.
On 16:41:27 24 April 2007 JesperBuch wrote:
>Hi Guys...
>
>Streamline / Bibit told us (did talk to 5 different people
>to be sure)... that we would NOT be liable for any fraud
>if we implemented 3d secure... and that was IMPORTANT: NO
>MATTER if the card was a 3d secure or not.... now we just
>recieved a charge back and when we call they say that we
>ARE liable ... this is just typical big banking way of
>doing this....
>
>SO... can anyone give me links, statements, evidence or
>something about this issue which I can use ... OR do any
>of you guys have the same situation as we do ?
>
>Jesper Buch
>CEO
>http://www.just-eat.com
>Europes biggest online food ordering service...