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Why do credit card forms ask for Visa, Mastercard, etc.?

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Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#81

Post by virtualwhys »

notatoad wrote: post #75
wcfields wrote: post #2

Could someone who deals with PCI compliance please explain some other nuances of credit cards that I've been curious about: * Fault/Decline Codes returned from processors like CyberSource. How are these factored? How do processors do Regex on names/addresses? [1][2] * CVV numbers and what they mean/how they are treated in the system? If CVV number is included does this increase chargeback protection? * How CHIP cards…

Collecting a CVV2 code doesn't increase your chargeback protection (for merchants, there is essentially no chargeback protection. if a customer wants to issue a chargeback, you'll get a chargeback). What it does is reduce your risk profile, which is part of how your processing fees are collected. If you don't collect the CVV2 you're going to have a much higher risk profile, and will either pay a higher processing fee…

How do you mean address verification is fairly expensive?

Expensive in terms of lost sales (i.e. users giving up in frustration due to mismatches) or something else?

We've had AVS in place for years and get reduced fees as a result. How many people give up on payment due to AVS mismatches, however, is another matter.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#82

Post by ycombobreaker »

Daniel_Newby wrote: post #77
yummyfajitas wrote: post #72

Earlier quoted context omitted.

Call before you go and tell them you are traveling.

Somewhere I read that such a call triggers a fraud red alert.

That would be counterintuitive. I always inform my bank before traveling out of the country. They want to know the destination nation and a date range, which is necessary to avoid triggering red flags when "card present" transactions start showing up from an unexpected location.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#83

Post by ycombobreaker »

aestra wrote: post #50
pbreit wrote: post #12

Earlier quoted context omitted.

Not taking Amex for cost reasons is almost always a bad move. First, it annoys the person giving you money (always a bad move). Second, Amex cardholder spend way more than average (frequently a bad move). They may still spend as much when asked to use Visa instead, but maybe not.

I'm an AMEX cardholder. I don't really mind too much when people don't take AMEX. I understand they are a "premium" brand and I adjust my expectations accordingly. That being said 99.9% of the time they take AMEX. >giving a select list of options, lets the user know to use that type of card No. AMEX cardholders know they aren't welcome 100% of the time, and they know to look for an AMEX logo before typing in their in…

Seconded. I know to look for an AMEX or Discover logo at a cash register or on the bill cover at a restaurant/bar. Those cards are accepted at many more businesses than they were ten years ago, but acceptance will never hit 100% due to the fee differences for merchants.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#84

Post by ycombobreaker »

1337Coder wrote: post #62

If anyone is curious about the luhn algorithm, here is one I made in C# from the example in the question: static bool IsValidLuhn(string numbers) { if (numbers == null) throw new ArgumentNullException("number", "number must have a value."); var allNumbers = numbers .Where((c) => c >= '0' && c (i % 2 == 1) ? ((Convert.ToInt32(c) - 48) * 2).ToString() : c.ToString()); return allNumbers.Count() > 0 ? allNumbers.Aggregat…

While your code may be fine, I find it weird to see functional operations in the same expression as the ASCII code '0' (48). It is a very weird juxtaposition of abstractions.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#85

Post by mastersk3 »

I wonder if this was used to discourage AmEX cards(Higher processing fee), as to my knowledge these forms have originated in pre-checkout JS era and have just been copied thereafter. Would be helpful if we could get a look at the processing rates 6-7 years back.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#86

Post by rmc »

aestra wrote: post #53
rmc wrote: post #39

Earlier quoted context omitted.

If you only accept the 4 biggest card issuers Heads up: If you're in (say) Europe or UK, then American Express and Discover aren't a "big card issuer"

>Heads up: If you're in (say) Europe or UK, then American Express and Discover aren't a "big card issuer" Do you only have Visa and Mastercard then?

Yes.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#87

Post by dschiptsov » 

   if (strcmp($POST['cardtype'], "mastercard")) {
      $Processor = $PaymentProcessorFactory.InstantiateByType("mastercard");
      $Processor = $PaymentProcessorFactory.InstantiateByType("visa");
   }
   $Processor.process($POST);
Sorry, cannot simulate "real-world" (lame enough) PHP OO code, but you got the idea.)

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#88

Post by Bentis2k »

parfitt wrote: post #51
pbreit wrote: post #7

Earlier quoted context omitted.

Checks are typically very simple, no regex-ing involved. First, names are not really checked. For addresses, usually only the number (and sometimes just first three digits) are checked as well as the zip. Generally the processor tries to decline as few txns as possible and instead deliver the information to the merchant to make a decision. The merchant can usually pre-configure error codes that it would like the proc…

>It's harder to "steal" a chip card since the information is not sitting on an easy-to-read mag-stripe. Well, yes. But really it's mostly the POS device sending data to the chip which then performs operations and returns a result code or a data block to the POS device. When you enter a PIN in the POS device it is sent to the chip and it verifies that the PIN is correct. A yes/no result code is returned to the POS dev…

Since the chip verifies the PIN, is it protected against brute force cracking? I know some cards become "blocked" if a wrong PIN is presented three consecutive times. Is this a chip feature, and if so can the chips be "reset" by the bank?

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#89

Post by drdaeman »

frankus wrote: post #25

For a good example of how to do this right, see skeuocard: http://kenkeiter.com/skeuocard/

This requires me to use mouse to navigate between fields. I really prefer to not get my hands off the keyboard when I start typing something. Tab key is there for a reason.

And I can't review in a single glance whenever I typed everything right.

Re: Why do credit card forms ask for Visa, Mastercard, etc.?

#90

Post by vidarh »

bigd wrote: post #63
kevinconroy wrote: post #29

Earlier quoted context omitted.

No, there are no such provisions. The card companies have their own fraud prevention/detection departments which mine transactions and look for abnormal behavior. If they spot something out of the ordinary (big purchase, foreign purchase, etc) then they will call you to validate.

Which is why, every time I travel, I end up with all the cards blocked. I hate you visa.

My bank has done the same in the past, but now the offer an interface in online banking to inform them when I'm travelling.

It still annoys me though: Their fraud system keeps flagging regular transactions that I've done for similar amounts to the same companies, at the same times of month or year for years, yet when someone did two transfers of 3000 GBP each to a credit card account in a different bank that I've never dealt with before, in someone elses name, their fraud system did not trigger...

From my perspective, their blocks are nothing but a nuisance.

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