I travel with a google fi phone and before I leave I go on line and change my phone number in my bank profile to that number. Then when I return I change it back. It seems to work although over all my cards I probably have only had one text in three years.

call in and "preapprove" all transactions thru VerifiedByVisa (looks like the approval expires after a few days)
https://www.flyertalk.com/forum/31308624-post8.html


similar case for other cards,
eg chase sapphire, call-in to retrieve VbV pin # https://www.flyertalk.com/forum/23207882-post6.html

PAYG AT&T int'l, should be $0.50 to receive a text

all I can suggest is either use an AT&T phone with wifi calling (so you can receive text for free, but you still have to juggle the transaction isssue), use a dualsim phone (still need to pay for receiving AT&T text)

verizon has an app "Verizon My Numbers" that allows any device to receive text message/calls even if phone is off. AT&T has a similar app "AT&T message", but it doesn't work as well (need a supported AT&T phone, turned on in order to forward/sync received messages to app)

Thanks for the suggestions, I will give them a shot for my next trip. I have been looking into Google fi but it only supports 2g in Alaska but still might be useful if I can turn on and off the service at will.

I also really appreciate the thread links too 😁

An update in case anyone else having the same situation where you don't get the option to receive SMS for verification.
I was using a google voice number and then I didn't get the option to receive a SMS, even thought SMS works for other BoA logins etc.
I added my T-Mobile number to BoA and now I get the option to receive SMS verification messages

Multiple times in the past couple of years when a vendor's processor has 3D Secure (3DS) implemented, I've encountered complete show-stopper issues when attempting to book online with my BofA cards. It presents as a "this transaction could not be completed due to your card issuer needing to provide additional info" type error, with a popup that shows the following text:

BANK OF AMERICA VISA
Your purchase requires additional verification We are unable to
complete verification at this time. Please call 1.877_388.6681
for assistance. We apologize for any inconvenience.

I've called the given phone number, the Platinum Honors-specific CSRs, and on multiple occasions have spoken directly with the BofA fraud dept., and no acceptable resolution has ever been provided for the specific transactions at hand. The worst case almost left me stranded while out of country, unable to book my next destination's hotel and train tickets. The most recent came this morning when after 20 mins on the phone with the fraud dept. their only offered resolution was for me to go into a banking center in person and present 2 forms of ID, which for whatever reason only then would "possibly" permit things to progress with the processor.

I've had an account with BofA for 20+ years. The Cash Rewards card for 15 years, and Travel Rewards card I've had for 2 years.

The hacky work-around I figured out (with no help from BofA obviously) was linking the cards to my PayPal account, whereby I am able to make those same transactions immediately via PayPal without issue. The best that I can deduce, maybe incorrectly, is that BofA's / Visa direct interfacing implementation with the 3DS system is utter trash.

So yeah, if I want to rely on having to go through PayPal to make certain hotel or flight bookings, fine, but I don't want to be dependent on a vendor accepting PayPal, nor be concerned with whether the purchase will be appropriately categorized in the rewards system due to first passing through PayPal.

Has anyone else had these types of issues, specifically with BofA or otherwise?

I welcome any experiences as to which companies appear to have their crap together when it comes to 3DS interfacing, I'm hoping to find equivalent replacements for these cards:

Customized Cash Rewards Visa Signature:
5.25% - chosen category, 3.50% - grocery, 1.75% - everything else

Travel Rewards Visa Signature:
2.62 points per dollar

Thanks!

There is a known issue with using US-issued cards on European and Asian websites that deploy 3DS.
Verified by Visa - FlyerTalk Forums - BOA
C1 card rejection reports, including 3DS verification failures. - FlyerTalk Forums - Capital One
Always stuck in the Verified by Visa when purchase ticket....Any solution?? - Page 2 - FlyerTalk Forums - Chase

This comment gave more specific background to the problem: FlyerTalk Forums - View Single Post - C1 card rejection reports, including 3DS verification failures.

Many thanks for the links, I'll dig into them to learn more about this issue.

So probably a majority of my encounters with it fall under the Europe/Asian website categories, I also unfortunately have experienced it on US sites - this most recent incident was on United.com.

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

For me at least, my CSR has traditionally worked fine for online purchases but not my CFU. I'm not fully sure why, actually, but it kinda seems like a setup issue on Chase's end.