I hate Mastercard SecureCode and Verified by Visa

I Heart Internet

This may have come up before, but can we all take a moment to consider how annoying Mastercard SecureCode and Verified by Visa are.

"No I don't remember my password! So few sites actually use this thing that I forget my password each and every time."

I think I hate them.

stereo_steve

Keepass / lastpass is what you need

Ruu

Send me your CC details and I'll fix it for you.

I Heart Internet

stereo_steve wrote: »

Keepass / lastpass is what you need

I use whatever Mastercard or Visa tell me I have to use when buying things online (on certain websites).

minotour

stereo_steve wrote: »

Keepass / lastpass is what you need

They wont help with this problem though. Both MC and Visa secure require a different set of characters from the password each time you use it. AFAIK, last pass cant do this anyway.

But yeah, they are terrible solutions to a ridiculous problem. Most retailers wont use them as its viewed as friction to the consumer and they increase the amount of cart abandons.

FWIW i believe the Issuers know this and are working on better solutions.

Ihatecuddles

Doesn't bother me. Just another password to remenber . never had an issue with it.

I Heart Internet

minotour wrote: »

But yeah, they are terrible solutions to a ridiculous problem. Most retailers wont use them as its viewed as friction to the consumer and they increase the amount of cart abandons.

True dat.

I'd think twice about starting a transaction i knew used it - unless I had no choice.

Awkward Badger

Just use a password you'll remember every time it pops up. Like "notthis****again".

Duff

Awkward Badger wrote: »

Just use a password you'll remember every time it pops up. Like "notthis****again".

This works. I usually stick with 'Ahforfúckssake"

Canis Lupus

I Heart Internet wrote: »

True dat.

I'd think twice about starting a transaction i knew used it - unless I had no choice.

But why? It's just a password. Hardly rocket science remembering one.

solomafioso

Protip: Remember your password.

Looks like a PEBKAC problem to me.

RayM

I just use the word 'password' as my password for most things, including Boards, but MasterCard SecureCode won't allow me to use that ("security" or some health & safety PC bullshit, I presume), so end up having to reset it every time.

marcus2000

I think you can include a "clue" on the Mastercard SecureCode password prompt... Make the Clue incredibly helpful!!!!

SpaceTime

The problem is that the system gets people to set up passwords in the middle of a transaction, rather than when they're thinking about setting up a password. So they set something and then forget it!

It should be something that's properly integrated into your online banking. I don't see why, for example, you couldn't have a SMS verification code to verify your identity or something like that instead.

It seems like primitive technology that isn't really very well implemented.

We need to come up with better systems than complicated passwords - for a lot of people they're extremely cumbersome and hard to remember.
If you get someone who is dyslexic or has slight cognitive issues, then it's even worse.

I've noticed a lot of older people can really struggle with a lot of this stuff, particularly where sites demand complex passwords or start asking you for random digits from passwords.

Two Factor security using an SMS or an app on your phone would make a hell of a lot more sense.

RayM

RayM wrote: »

I just use the word 'password' as my password for most things, including Boards, but MasterCard SecureCode won't allow me to use that ("security" or some health & safety PC bullshit, I presume), so end up having to reset it every time.

LOL! He ****ing does, the idiot!

RandomName2

♥ internet, :mad: securecode

toodleytoo

RayM wrote: »

LOL! He ****ing does, the idiot!

RayM you're either very dedicated to a joke or there's an imposter signed in

humbert

I choose pretty long passwords and remembering them isn't the issue but I feel like a woeful spanner counting out the letters on my fingers.

minotour

toodleytoo wrote: »

RayM you're either very dedicated to a joke or there's an imposter signed in

very funny either way!

minotour

SpaceTime wrote: »

The problem is that the system gets people to set up passwords in the middle of a transaction, rather than when they're thinking about setting up a password. So they set something and then forget it!

It should be something that's properly integrated into your online banking. I don't see why, for example, you couldn't have a SMS verification code to verify your identity or something like that instead.

It seems like primitive technology that isn't really very well implemented.

We need to come up with better systems than complicated passwords - for a lot of people they're extremely cumbersome and hard to remember.
If you get someone who is dyslexic or has slight cognitive issues, then it's even worse.

I've noticed a lot of older people can really struggle with a lot of this stuff, particularly where sites demand complex passwords or start asking you for random digits from passwords.

Two Factor security using an SMS or an app on your phone would make a hell of a lot more sense.

yeah, spot on, It could simply ask for your PIN on the fone. the average punter should be fine with this. I reckon that's the way it will go.

RayM

toodleytoo wrote: »

RayM you're either very dedicated to a joke or there's an imposter signed in

It's ok, I've changed it to "Password1" - they'll never guess that.

The_Captain

Verified by Visa is one of the best features Pizza Hut Delivery has, because it means I'm never able to order online from Dominos

Dravokivich

solomafioso wrote: »

Protip: Remember your password.

Looks like a PEBKAC problem to me.

It gets a bit confusing after you have several different passwords. It's always suggested to change them up reuglarly, so if it's been a while since you've used a service you need a password for, it's very easy to forget which it is.

I've had this issue lots.

ScumLord

minotour wrote: »

Most retailers wont use them as its viewed as friction to the consumer and they increase the amount of cart abandons.

Most retailers won't accept Mastercard and or Visa? where are you shopping?

Awkward Badger wrote: »

Just use a password you'll remember every time it pops up. Like "notthis****again".

I always forget it, so I reset it and it turns out I've gone through my standard list of passwords, you can't use the same password twice so I have to come up with a password I'll never remember.

minotour

ScumLord wrote: »

Most retailers won't accept Mastercard and or Visa? where are you shopping?

I always forget it, so I reset it and it turns out I've gone through my standard list of passwords, you can't use the same password twice so I have to come up with a password I'll never remember.

online retailers obviously!

Dravokivich

ScumLord wrote: »

Most retailers won't accept Mastercard and or Visa? where are you shopping?

I think that guy means the "Verified" login page, not the payment method. It's up to the retailer to link to it.

minotour

Dravokivich wrote: »

I think that guy means the "Verified" login page, not the payment method. It's up to the retailer to link to it.

that guy do, but id say he was only having a cheeky stab anyway.

The Backwards Man

My clue is

'I'm a sexy man?'

Haven't a balls notion what the password is.

holystungun9

Nowadays with so many accounts and codes I find that 1234 is still the king.

For security freaks 5678 should ease your paranoia

holystungun9

The Backwards Man wrote: »

My clue is

'I'm a sexy man?'

Haven't a balls notion what the password is.

yeahhh baby

Austin

Giggidy

Right said Fred

Sulla Felix

solomafioso wrote: »

Protip: Remember your password.

Looks like a PEBKAC problem to me.

Is that something like a PICNIC?

skywalker

I had this exact problem. Bloody annoying the way they wont allow you to use a password you have previously used too.

My solution was to attach a postit to the back of the card with the first few digits of the password followed by ellipsis so I remember which one Ive used. Doesnt compromise the security of the password to anyone else & I instantly know which of my passwords to use.

ElleEm

skywalker wrote: »

I had this exact problem. Bloody annoying the way they wont allow you to use a password you have previously used too.

My solution was to attach a postit to the back of the card with the first few digits of the password followed by ellipsis so I remember which one Ive used. Doesnt compromise the security of the password to anyone else & I instantly know which of my passwords to use.

My diary is filled with letters and hashtags so I know what combination of words and numbers I used for different passwords. It looks like gibberish to everyone else but makes sense to me!

Adamantium

Stealth "I got money thread and you don't" thread.

OH Cruel world, why do you make me bleed?

SpaceTime

I know someone in the UK who set a mildly rude word as his password online thinking he'd never have to use it on the phone. He had to give it to a call centre who subsequently hung up on him and told them that it breeched their sexual harassment and decency policy and refused to reset it for him!!

foggy_lad

I Heart Internet wrote: »

This may have come up before, but can we all take a moment to consider how annoying Mastercard SecureCode and Verified by Visa are.

"No I don't remember my password! So few sites actually use this thing that I forget my password each and every time."

I think I hate them.

better being safe than losing all your money.

Teyla Emmagan

I hate Verified by Visa with a passion.

I think my current password for their stupid and impossible to opt out of service is "youpackof*****'.

The bank protect you anyway, you do NOT NEED verified by flipping Visa.

No Pants

foggy_lad wrote: »

better being safe than losing all your money.

It's nothing to do with protecting your money. It's all about the liability for the money if it does get lost.

robindch

SpaceTime wrote: »

It should be something that's properly integrated into your online banking. I don't see why, for example, you couldn't have a SMS verification code to verify your identity or something like that instead.

For a variety of reasons, SMS isn't considered very safe by the card schemes - Visa, MasterCard etc.

SpaceTime wrote: »

[...] isn't really very well implemented.

Nope, it's not.

SpaceTime wrote: »

We need to come up with better systems than complicated passwords [...] Two Factor security using an SMS or an app on your phone would make a hell of a lot more sense.

Chip Authentication Protocol - CAP - has been around for years and AIB support it here in Ireland:

http://en.wikipedia.org/wiki/Chip_Authentication_Program

Unfortunately, CAP has yet to adopted widely - probably because it's a chicken and egg situation - nobody's implementing it since it's not widely rolled out, and it's not being rolled out since nobody's implementing it.

A few more major card leakages might reverse the economic balance though.

robindch

Teyla Emmagan wrote: »

The bank protect you anyway, you do NOT NEED verified by flipping Visa.

SecureCode and VbV are there to increase card security and keep fraud costs and cardholder anger to a minimum.

AlanS181824

Just remember your password, it's not hard.

haro124

Complete pain in the hole. Changed banks and now they send me a new code every time it's needed

zetalambda

I Heart Internet wrote: »

This may have come up before, but can we all take a moment to consider how annoying Mastercard SecureCode and Verified by Visa are.

"No I don't remember my password! So few sites actually use this thing that I forget my password each and every time."

I think I hate them.

F U C K V I S A

or

F U C K C A R D

You'll never forget these.

Teyla Emmagan

robindch wrote: »

SecureCode and VbV are there to increase card security and keep fraud costs and cardholder anger to a minimum.

Well, that's obviously working. Such a popular service.

Am I alone in thinking it's just for the credit card providers' security and not for the rest of us??

anothernight

I thought Verified by Visa wasn't a big deal, just another password to remember... Until I saw my very frustrated boyfriend being asked the 12th character of his 9-character password. The password must be a minimum of 8 characters. You'd think a card company wouldn't make such stupid mistakes.

Ineedaname

Was buying a book online a few days ago. Couldn't remember the password for SecureCode. By the time I'd made a new one the book had been sold. :mad:

No Pants

Teyla Emmagan wrote: »

Am I alone in thinking it's just for the credit card providers' security and not for the rest of us??

It's more about the transferring of liability than security.

enda1

Teyla Emmagan wrote: »

Well, that's obviously working. Such a popular service.

Am I alone in thinking it's just for the credit card providers' security and not for the rest of us??

Well it's their money. That's what a credit card is. They provide the service of buying the goods for you and paying. You then pay the bill of your credit agreement. If they can't prove it was you who bought the good i.e. it was a fraudulent payment, you don't pay. It's them that hump the cost.

matrim

The basic concept is a bit annoying but i understand the reason for it but I hate that it only asks 3 random digits. I use at least 20 character random passwords. Instead of a transparent copy and paste from my password manager I have to leave it open and count out the characters.

kiffer

robindch wrote: »

SecureCode and VbV are there to increase card security and keep fraud costs and cardholder anger to a minimum.

I don't think that's working.

BodFred

I Heart Internet wrote: »

This may have come up before, but can we all take a moment to consider how annoying Mastercard SecureCode and Verified by Visa are.

"No I don't remember my password! So few sites actually use this thing that I forget my password each and every time."

I think I hate them.

Agreed...in all my time owning a credit card I have had to use this only a handful of times, each time I had to reset as I don't remember it because of the rarity it is required.

The latest of which today, I attempted to guess it (more fool me), the reputable online store took my order & put it into an "under review" status...more than likely this will be rejected & delay my order by some days.

I understand the reasoning behind the use of this, hacking methods are becoming more & more sophisticated etc., but either roll it out everywhere or don't bother. The cherry picked sites is a little frustrating.