VbV is a security feature offered and soon to be required by Visa for Internet transactions. Depending upon whether or not the bank offers it, a customer can associate a password with their Visa card in addition to the normal security process.
If VbV is enabled, a customer cannot complete a transaction without their password.
When a VbV card is entered into the payment page, we automatically detect it as a VbV card. In turn, we will contact the Visa server. The Visa server directs us to unique pages provided by banks who support VbV.
Every bank has a different page that we will load. The VbV verification pages are not provided by 2CheckOut.
Different banks have different policies. Some banks require VbV. If a VbV password is not set, they may prompt the customer to set the password. Some banks do not require VbV or do not offer it.
If the buyer is stuck on the loading page for more than five minutes, it has to do with the issuing bank server. The issuing bank server may be performing maintenance or have an outage.
The buyer should allow 24 hours and try again and if the issue continues to contact their bank.
Most issues must be taken up with the Buyer’s bank. If the buyer does not know their password, then they will have to go through the “Forgot Password” process or contact the issuing bank. We can not offer a solution to bypass this step.
The buyer can skip the password, but this is done by using a different card to make payment. There is a link that says to click here to use a different card, which will return to the payment page to enter a different credit card.
Almost every issue with the Verified by Visa will be related to the verification. There should be a “Help” link on almost every bank’s VbV page. This “Help” link explains VbV, solutions to common issues and how to contact the appropriate bank.
When an order is initially placed, 2checkout.com will gain an authorization from the customer’s bank to guarantee that the funds will be available. The length of time these authorizations are valid varies depending upon the bank.
If you mark an order as shipped before the authorization expires, there will be no need to gain a reauthorization. However, if the authorization expires before you provide the shipping details, the order will be moved to the reauthorization section of your mark shipping page and you will need to click the button to reauthorize the card before you will be able to mark the order as shipped. The fee for each reauthorization attempt, whether it is successful or not, is $0.25.
If a reauthorization is successful, you will receive a confirmation and the order will be moved back to the regular area of your Mark Shipping screen so that you can enter the tracking details.
In some cases, the reauthorization will fail to process at the customer’s bank. This will often happen if the funds are no longer available or if the customer’s card has recently expired. When the reauthorization fails you have 3 options for proceeding with the sale.
1. You can simply wait until the next day and attempt the authorization again (you can only attempt to reauthorize an order once a day).
2. You can send an email to your customer advising them that their bank is now declining the transaction. They can simply contact their bank to have them remove any blocks.
3. You can send the customer a request for payment for the missing amount. To send a request for payment you can simply click on the ‘Create Invoice’ button from your Account Homepage. This will allow the customer to provide updated billing and credit card information.
Please note, however, that the request for payment will actually create a brand new sale number in the system. You will want to make sure that you cancel the original order for your own records.
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