I know I mentioned earlier in this thread that my boa visa used to work with vbv (receive text message with PIN) .. but now, it no longer works. Error message, asking me to call in. No text message

Almost every intl online purchase gets blocked if they go through vbv/3d secure. Even united.com vbv gets blocked (from a USA residential IP address)

I tried using my capital one MasterCard, the 3d secure process did work (got text message)



theory that chase/boa uses 3DSecure 2.0, which is not backward compatible with 3Dsecure 1.0.2.
1.0.2 is decomissioned on Oct 2022, so this doesnt explain it. dont recall when was my last successful VbV text message