Originally Posted by
invisible
This has nothing to do with the bank but rather the payment processor and 2FA that is implemented outside of the US differently. I know what I am talking about - I lived 15 years in Europe and Asia and have/had a number of local cards.
Originally Posted by
paperwastage
sounds like its time to diversify/derisk (just in case the visa network goes down or your bank is down, you have alternative)
no problems with jetstar/tigerair/scoot, other asia/europe online websites, VbV text message comes through on my boa visa
Exactly. It's time to diversify cards. Contrary to the statement up-thread, how VbV is implemented can and does vary by bank. Not all American card issuers choose to implement it the same way. Chase doesn't want to "inconvenience" its customers, so when VbV is triggered, Chase will normally just process the transaction anyway. When that doesn't work, you find yourself in the situation in the OP, having to call the fraud department and play games just to spend money. That's one of the reasons I cancelled my Chase cards.
Capital One supports SMS second factor, so when I try to buy something online that trips VbV, I get a box telling me that Capital One will SMS me a code. I click OK, I get the code, I enter it on the website and the purchase goes through. Even still, Capital One's implementation is annoying if you have AUs--it'll only SMS one number no matter which card is used to make the transaction****. The ridiculous workaround we came up with is that my wife and I have a shared Google account with a GV number so we both get the codes. USAA has a similar implementation where (when it works correctly) I can approve the transaction in the USAA app or receive a code.
It's the same story for European card issuers. ING's 3DS implementation required me to get the ancient calculator-looking code generator, insert my card, enter the challenge token, etc. and then enter the code on the webpage. N26 sent a push notification to my phone to approve.
Originally Posted by
paperwastage
[Visa failing when topping up Suica/PASMO] is a known problem, blame the suica/applepay blocking almost all foreign visa, mastercard/amex may still work
I just did this the other day for an upcoming trip to Japan. Three Visa cards in a row failed, but Mastercard worked fine.
****edit: this is FINALLY fixed. If the AU has set up their online account with a phone number, Capital One will now SMS codes for the AU to the number in their profile rather than the primary account holder's number.