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overcoming 3d secure?
 

is there anyway to deal with the new 3d secure card checks by visa and Mastercard that have been rolled out by ppl?

You used to be able to overcome these by having the same door number as the car is registered in. So if your card is reg 33 blabla road(your real address) then you could make stealth acc with 33 dudu road and it would pass and youd be able to add card to it and confirm accnt and also to make payments with the card. But since August this no longer works.

Clearly the 3d secure is checking more then the first digits of the road now. Any idea what it checks now? name? postcode? matching ip when confirming in app? everything?

Thanks

Re: overcoming 3d secure?
 

Deleted, posted by mistake

Re: overcoming 3d secure?
 

They check numeric street number and zip code,they do not check your name,as it is not available on the data base they access to verify your card.
may be it is not you but the card.
what is the first 4 digits

Re: overcoming 3d secure?
 

No in EU and UK they check more than just the numbers now, its part of new law I think. in US it may just be numbers

Re: overcoming 3d secure?
 

It all depends on whether the information is available to verify.
It has nothing to do with law,not in US?
Do you have more than one Paypal accounts?
Paypal never delete any account and its bank account,cards,you may remove or close it,but it still save it.

Re: overcoming 3d secure?
 

This is correct based on readings - EU/UK is different.

Careful agent

Re: overcoming 3d secure?
 

Are you talking about like when you make a purchase Visa does this stringent security check that most likely declines the transaction?

Re: overcoming 3d secure?
 

yeah purchase or adding to card to ppl to confirm accnt and lift limits.

Re: overcoming 3d secure?
 

I'm not sure why you are experiencing issues but I've made a couple of dozen PP accounts since the start of August and have not encountered this. From my end, nothing has changed. For me, the same cards and the same methods still work when confirming cards on Paypal.

Post up a screenshot of what happens when you try to add a card.

Re: overcoming 3d secure?
 

For my own peace of mind, I just tested it there. Again, no issues. Cards add just fine when creating the accounts and also to established accounts.

Post up the screenshots of the error or whatever it is you are seeing and I'll see if I can help.

Re: overcoming 3d secure?
 

same , no issue .

Re: overcoming 3d secure?
 

hi boss, i understand the problem you are going through ....

its been happening to me since auugst time frame as well....All of a sudden any time i try making payments with my pp linked ccs it doesnt go through, it says add new card..


i think pp can now see names, nos and address infos annd if it doesnt match, then its a no...

have you found a way to beat this?

Re: overcoming 3d secure?
 

its not linking cards to pp thats the issue, its making payments with the linked card thats now becoming an issue.....if you make 0.99p payment as a tester, it would work but when trying to make bigger payments, it becomes an issue....

SORRY YOUR BANK CANT CONFIRM CARD 36T26...ADD NEW CARD is usually the error message for larger payments over 10 pounds atm

Re: overcoming 3d secure?
 

The OP does say, he's had issues adding the cards to Paypal as well.

Does the address on the cards you're getting this issue on FULLY match the Paypal address or is it just a partial match ie door number?

Based on what you are saying, my guess is that lower value purchases only require a partial AVS match (eg just door number matching) but higher value purchases require a full AVS match (door number and postcode numbers matching).

Re: overcoming 3d secure?
 

I do not know about the 3d but here in the US I know all that is required for normal verification is the numeric portion of the address and zip code. Letters on the address do not matter...

Re: overcoming 3d secure?
 

first instance of card link, just matched door nos an nos on the post code , it linked this way, however, it doesnt go through for actual high payments.So i then updated the billing of the linked card to the actual full address,,still it does not work...

now the only thing i can think of is the fact the names dont match as ive matched every other thing other than the name of the cc and the name on the acc...so have they started name match as well??

is your pp handling big payments?does the name on the pp match with the actual name on the cc?

Re: overcoming 3d secure?
 

quick update: called in to the bank


They could see the name that was used to register the paypal and the email used.....they could tell it was different from the cc name and billing details... so clearly paypal and bank have started disclosing more information to each other than they should..

so just a side not to stealth creators, to maybe set up pps going forward with name variation that is common with cc name

the bank have said theyd do a refresh to fix the issue but yeh ill try again and see if the payment goes through this time.

Re: overcoming 3d secure?
 

yeah you understand the problem exactly. I dont think bank can help us in this case as its VISA or MASTERCARD do much more advance AVS checks now... I wonder if its same outside Europe or not yet. I cant see anyway to overcome this. and if they do it for card payment then soon they can start doing it for linking card to confirm ppl account too

Re: overcoming 3d secure?
 

sheesh, stealth is getting harder...

Re: overcoming 3d secure?
 

It always does, then we find new ways, then get better at doing the new stuff then they catch up.

It's always been a mouse and cat game.

We just need to stay persistent and I know it can be tiring at times.

Re: overcoming 3d secure?
 

Got an update on your situation?

Re: overcoming 3d secure?
 

zero updates...

does anyone have a paypal account and recently made a payment for something on ebay lets say from 200 pounds and above.... if so, did it go through?

I have thought of every possible scenario:

1)cookies on browser interfering?

2) not from bank as they'd mentioned there was a block and refreshed it yet it still did not go through

3)paypal admitting there was a system update thats affecting people world wide and it started about a month ago,however it works for smaller amounts like £1

Its really bugging me

Re: overcoming 3d secure?
 

sorry i couldnt message you back in inbox..yet to get to 25 posts.

Re: overcoming 3d secure?
 

Re: overcoming 3d secure?
 

I used Paypal to pay for my Ebay purchases,and my AMEX card is the prefer payment method for paying via Paypal.
BUt most purchases are less than $50

Re: overcoming 3d secure?
 

I just added a card to a PayPal account using a different variation of first line address. Same city and same post code registered to the card. Did the secure payment thing to confirm payment with card provider and all went through ok... Card successfully added and confirmed with PayPal!

Re: overcoming 3d secure?
 

im sorry but the confirmation of a card wasn't the question...my question is have you actually made a successful payment of an amount higher than £20 with the confirmed card afterwards... a £1 payment may go through, even £10 might...but larger amounts seem to not be going through

Re: overcoming 3d secure?
 

Thank you for that information.... i presume paypal usa might not be affected. it seems to be a european issue...anyone else in. uk tried a payment above £20 that went through?

Re: overcoming 3d secure?
 

You can also go to paypal seller/buyer forum and ask,thee are volunteers and sometimes PAYPAL rep there

Re: overcoming 3d secure?
 

This is all BANK specific, more specifically BIN specific. Bin stands for "Bank Identification Number" which is the first 6 digits of the card. Some bins are non-vbv (no 3ds), some are 3ds, some are even 3ds only on purchase over x amnt. A bank wont straight up tell you because that would help fraudsters with stolen ccs. You just gotta try and see what works.

Most prepaids (visa, mc) don't have 3ds. Some do though. Vanillas do not.

Re: overcoming 3d secure?
 

I don't think you posted which card you are trying exactly - that might help the discussion

Re: overcoming 3d secure?
 

Eventually you be able to make high value purchases. But that depends on the actual account, the actvity and PayPal's internal security which decides what payments are allowed to go through.

Re: overcoming 3d secure?
 

Source of card is from authorized seller here?

Re: overcoming 3d secure?
 

I think its card issue.
3D secure cards require to verify OTP to add to paypal and at the time of making trabsactions also.
But 2D cards do not need OTP to make transactions and they add directly to paypal based on billing address.