Verified by Visa
 

Is it possible to force a card or transaction to go through verified by visa and get the SMS confirmation code? I currently get the SMS only for one in 10 or so transactions.

I'm trying to add my BoA credit card to Grab and it's not working, it's stopping at the verified by visa screen, and Grab support told me they only accept cards that support 3d secure, which I believe is the same as verified by visa.

Also, many other international merchants requires verified by visa in order to accept the transaction. So is it possible to enable or force the verified transaction for a specific transaction, or turn it on all the time?

I tried calling BoA but gave up after being redirected to 5 different persons within BoA and Visa.

But not a Chase card:

https://www.flyertalk.com/forum/chas...-solution.html

In my experience Citi MasterCards work reliably.

My card has now stopped working with most European online shops. I get a message at the bank of america verified by visa page that they can't proceed now and that I should call. I called once, they asked some questions and said they approved it so I can try again. But next purchase (from another merchant) was stopped by the same message once again.
With my old boa card I sometimes got a sms with a code, but now they have not offered to send this code, only asks me to call in.

Find a new card issuer, preferably one whose implementation of VbV or Securecode allows you to approve transactions in their app.

It sounds like B of A is using a similar VbV implementation to Chase, where if it can't approve the transaction on its own it declines and makes you call in and then try again. Except that trying again sometimes trips the merchant's or processor's fraud protection and gets a decline from their end.

I ran into this with a Nigerian visa on arrival payment. I tried four different cards from four different US banks, all assured me it should clear on their end, but every one failed on Verified by Visa. Apparently, merchants can require particular implementations of Verified by Visa, and decline any "auto-approved" versions like most US banks use (i.e. those that don't require app/SMS verification).

I used a UK-issued card, verified in the app, and it went through on the first try. American banks suck at this stuff.

FYI, Visa's rebranding VbV to "Visa Secure". There are also two separate versions (corresponding to 3D Secure 1.0 and 2.0); I suspect any future implementation by US issuers will be solely 2.0.

Also, per 10.16.2.4 of the Visa rules, it sounds like Visa will do "stand-in" processing for those issuers that don't support it:

That all said, though, if the behavior people are seeing is already due to said "stand-in" processing, I'm not sure it'll be much different with 2.0. Then again, maybe there'll be more encouragement to get it working properly now that the EU is effectively mandating 3D Secure.

I called again today, and after confirming my account I was told visa would now allow the card for any website for 24 hours. So I went ahead and did 3 purchases from different sites that had been failing the last few days.
So I guess the only way for now is to save up purchased and call in once or twice a week and open the card for purchasing from non US sites, as 3D secure is mandatory in Europe and also common in most of Asia.

3D secure is such an annoyance ! I also tried another EU card (before calling bank of america) and I had to open the bank's app to verify the transaction, however it didn't work, no message appeared in the app.. So either what card you have it is not very smooth.

Now it's become impossible to use the Bank of America card on any foreign website without calling in.

Do you think BoA will make a better system soon, so that I can receive a SMS or similar, and not having to call in?

I don't currently have any BofA cards that are FTF free but I did try a test load to Revolut recently using my debit card. It seemed to go through the VbV process on my phone and succeed without any verification required (and the actual load appeared to go through their UK payment processor per my statement). Is it possible the issues you're having are country dependent? Some may be touchier about VbV implementations not needing verification than others.

my chase CSR sometimes get denied, but BoA TR always works on same website (I get the text message to input on the VerifiedByVisa screen, never encountered a VbV denied webpage for BoA TR)

dont know why it doesnt work for OP. last tried it 2 months ago in asia


does OP have the correct texting phone number set up within BOA website? try to remove and readd it back in?

Good to know that verification texts are supposed to work. When I call in then they manually send me a text to confirm.
I'll try to remove and re-add the phone.
I asked twice if I have to call and the agents confirmed both times that for every foreign merchant I'd have to call in.

SAS SK airline website used to work without any verification, but now since a few weeks ago they also require VBV and I get the notification that I have to call in. Even when my card was saved on the SK website.

I wonder if that has anything to do with the new requirements the EU has put in for stronger verification online.

In theory that's only required for EU-issued cards being used at EU merchants. Who knows if merchants are taking that into account, though.

Bank of America Verified by Visa using other SIM
 

I am using the Alaska Airlines Bank of America Card and keep running to this issue when travelling. I am using a sim in Thailand (Because ATT is crazy expensive compared to True) but when I try and make an online credit card purchase I get halted at the Verified by Visa screen because they only give me the option to send me a text message to my US number rather than email or an app verification.
So then I have to pop out my sim (which means my IP changes and cancels my transaction) put in my ATT sim, pay ATT $10 +the cost of the text message to get the stupid verification message to make a transaction.
I have been on the phone with Bank of America numerous times trying to get some other way to get through the Verified by Visa screen but have had lots of promises for the next time I try but nothing ever changes.
Is there any way of getting around this or getting my email added to the options?
https://cimg1.ibsrv.net/gimg/www.fly...d183e17fe8.png