Visa/FNB online secure fail

I

Incip

Member
Joined
Nov 5, 2013
Messages
15
Reaction score
1
I recently purchased something online with my FNB credit card, which has "online secure" or Verified by Visa activated and requires an OTP to complete purchases.

I click pay and it takes me to the usual page where I enter the OTP, except I have 2nd thoughts and click cancel. The transaction still goes thru and I have my goods. The amount has been deducted from my card after sitting under "pending transactions" for 3 days.

What is the purpose of online secure/verified by Visa? Is it so that you can dispute transactions that have not been authorised by you? It certainly doesn't prevent someone using your card if they manage to get the numbers.
 
Incip said:
..... it takes me to the usual page where I enter the OTP,

It certainly doesn't prevent someone using your card if they manage to get the numbers.
Click to expand...

What numbers? How is the OTP not making this transaction secure?

You last minute indecision has nothing to do with security.
 
Hi I was trying to fund my trading account with my card on the website and I mistakenly put in the wrong OTP number then only realised later that it's been sent to my messages and FNB app too please help because it says the card is blocked even though it's not Screenshot_20190623-070348.jpg
 
ThorisoJomane2000 said:
Hi I was trying to fund my trading account with my card on the website and I mistakenly put in the wrong OTP number then only realised later that it's been sent to my messages and FNB app too please help because it says the card is blocked even though it's not View attachment 675793
Click to expand...
If it says the card is blocked for online purchases, why do you say that it isn't?

It reports multiple incorrect OTP submissions. I'd slow down there after an initial incorrect one in the future.

Just go to your nearest bank branch and sort it out. You shouldn't do nothing after receiving a blocked card notice of any description.
 
backstreetboy said:
Move to Capitec. No need to memorize and input OTP numbers. Just open the app and tap approve...
Click to expand...

It's not the bank..it's the user.

If you cannot read four numbers correctly and type them incorrectly...MULTIPLE times..., changing banks will not help you.

Oh and FNB does use Tap & Approve....at least mine does.
 
MightyQuin said:
It's not the bank..it's the user.

If you cannot read four numbers correctly and type them incorrectly...MULTIPLE times..., changing banks will not help you.

Oh and FNB does use Tap & Approve....at least mine does.
Click to expand...
Yup. 3dsecure is a different thing, it's visa not fnb.
 
backstreetboy said:
Yes like the fact they can make it easier for the user but chooses not to.
Click to expand...
Easier? ....easier than typing 4 numbers?

Nope...that's called "dumbing it down".

But we all know your irrational hate for FNB as well as your Capitec fanboy status.

So, nothing further to see here...
 
Back on topic. It is odd that the transaction went through. Is he worried now
 
backstreetboy said:
Move to Capitec. No need to memorize and input OTP numbers. Just open the app and tap approve...
Click to expand...
As Sinbad said, that's a different thing, I also have approve sometimes, depends on what method the payment people are using, if generic Visa you get the OTP pin.
 
hey I have a bit of an issue and I'd appriate your help. so I'm trying to fund my trading account and it's telling me that my payment failed. could it be that I have maybe I am doing this with an easy account or what because at this point I don't know.
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X