Re:Why are payment forms so complicated?
by henrikschroder on Thursday March 07, 2013 @02:01PM
(#5339436)
It's gotten better, but the implementations the first years were abysmally bad. You're in this somewhat skinned payment flow, and then suddenly you're redirected to an un-skinned page, that maybe has your bank's logo on it, that asks for your secret password, or asks you to log in to your internet bank. And you would be on some sort of unrecognizable third-party url, because the merchant redirected you to their payment processor's webpage, which through 3DSecure redirected you to your bank, which in turn redirected you to some partner they used for that, because the bank couldn't figure out how to do it in less than three years because making software is hard or something.
I think I abandoned every such purchase on reflex because it just screamed phishing attempt each time.
Extremely high friction indeed. Most merchants these days give me the option to skip it. Thank you.
Verified by Visa is incredibly obnoxious. Thankfully its very uncommon in North America. Seems to be much more popular in Europe (or maybe European sites just force VbV for my US-issued Visa).
Re:Why are payment forms so complicated?
by jusben1369 on Thursday March 07, 2013 @03:52PM
(#5340160)
Important to note that companies can turn off verified by visa but then they pay a higher transaction/processing fee. So many merchants dislike it significantly but then pay higher rates. Fun place to be. I wonder how Stripe will handle 3DS with their UK launch given I've heard it has as much as 80% penetration into online sales?
It's especially bad since just about no websites I ever buy anything from use VbV / SecurePay. That means that I don't remember the authentication secrets off the top of my head, so unless I'm at home will likely abort the extremely rare transactions that really require it. I've maybe needed VbV once in the last year, and had to try 3 cards before I found one that I could use on the spot.