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#11
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Seeking Advice, Please
"Roland Perry" wrote in message ... In message , at 12:57:18 on Wed, 27 May 2009, DevilsPGD remarked: I can understand why there is greater risk when the ticket is paid for by a third party - but when the Credit Card is in the same name as the passenger, why are Easyjet cancelling those tickets too? My guess? It's more profitable to see who shows up at the airport then attempt to bill them higher rates (and otherwise resell the seat) then to attempt to contact people and identify whether a transaction is fraudulent or not. They don't have to start working out if the transaction is fraudulent, they could just cancel the ticket and *tell the customer* there was a problem with the card. To also not refund the payment is rubbing salt in the wound, and strikes me as an extremely dubious practice. (Of course, we should also be asking where the false "card declined" messages are coming from. I have experienced this several times recently, but for flights/train-tickete at the time of ordering so I simply used a different card; but one long-standing CC monthly charge was falsely bumped[1], and a phone company cut me off!) [1] Phone company says it was declined, Card Company say they were (a) never asked and (b) have in any event never declined any transaction on that card. "Card Declined" is sometimes used as a catch-all for other errors, I know - that's why I put it in quotes. or where the merchant account's fraud system detected something suspicious and declined the transaction (although not the specific card) before even talking to the issuing bank. But putting the blame on the banks is disingenuous. Also, one time this happened to me it was a monthly telephone payment that had gone through OK for several years. Then suddenly bounced for no reason that anyone could discover (they almost lost my business over it, and I ended up talking to the MD about it). Unfortunately, it's not in a company's best interests to return the exact error message received, doing so actually encourages fraudsters to use said company's services to validate credit cards. For example, if I have a credit card number, name, billing address, phone number and CVV2 but know that one piece of information is wrong, a merchant that will tell me which piece if wrong is invaluable. Yes, but when all those things are OK, it's frustrating for the genuine customer to be told the card has been declined when he knows it's not an issue with his credit limit. -- Roland Perry It's always difficult to know what caused some of these problems. In the past I've seen humans get a reject on a card from a known and trusted client and simply try again to get authorisation. The problem has been in the interbank communication system which timed out on the original request (and not getting a reply the requestor assumed the worst and rejected). In the meantime the first transaction completes and reduces the available credit. The request for authorisation goes in a 2nd time by which time the available credit is no longer enough and so you get a genuine "no" but it's impossible to tell the difference. I've actually seen transaction logs showing the same authorisation request being sent 3 or 4 times in which case you have to think "no wonder the guy has no available credit left". |
#12
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Seeking Advice, Please
In message , at 08:55:28 on
Thu, 28 May 2009, Graham Harrison remarked: I've actually seen transaction logs showing the same authorisation request being sent 3 or 4 times in which case you have to think "no wonder the guy has no available credit left". It's a pity the system wasn't designed with a mechanism to de-dupe multiple attempted identical transactions. The originating system giving them a unique reference number, re-used after a "no reply" would suffice. There would then be a way to debug the few remaining problem scenarios, rather than simply having everyone wring their hands and point at the other guy. -- Roland Perry |
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