All sorts of 'verify by Visa' rely on 3DS (Three Domain Security) and were designed specifically for online transactions. They do not really exist for offline transactions as there is an assumption a seller will either verify the signature (not really used any longer) or cardholder will authenticate via PIN. Sale via the call centers is harder to authenticate and many vendors established additional verification methods (like sophisticated fraud checks - these are performed by specialists like e.g. Accertify and are relatively expensive). Showing a card at product pick-up is a reliable and cheap fraud check method
Last edited by TPJ; Oct 15, 2023 at 3:16 am