Identification problem

Our local one has perspex shields at the counter and a one way system, so you can go in. Tape markings on the floor of course.

But it has only just opened. I had no idea until I went to order something and it flagged up our town (instead of the next one). It's a bit nearer, and for a while a lot easier to get to as they were doing road alterations for a new Lidl less than a mile away.

When I went in, I asked them how long they'd been open, and it was about four days! Not much signage so I went down two wrong areas on the industrial estate before I found them.

Though only one "confirmation" per day, if you went back for an extra item you were still good from the till having seen your card earlier ...

only if you actually want to use it as a driving licence

If you're just using it as ID. there's no fine for not updating your address - though obviously using it to validate a fraudulent address would be a different form of illegal

How has that got anything to do with a credit card companies? You are entering your number at some random site belonging to someone else

Do you really not see the risks to people, if random sites automatically fill out the card owners address simply by typing in a card number?

tim

That it is generally much easier to use Paypal to pay for something online than a credit card. While costing me the same.

Err, not with PayPal. You get re-directed to their site.

It's not a random site that supplies the address. It's Paypal.

If you register with a retailer, they'll have your address anyway. Maybe even your credit card details. And if someone had nicked your credit card, they'll have all the info needed for mail order. Not so with Paypal.

The National Library of Wales (Aberystwyth) rejected a pdf order for a photocopy because I'd typed my name in the signature space, so I opened the document in a pdf editor [1] and pasted in a jpg of my signature, resized to suit, and sent it back, whereupon it was accepted. That was for something with a value of less than £10 - I'd just renewed my passport with less effort. [1] I use Nitro but there are others.

until some spurious transaction mysteriously arrives on your PP account and PP Admin say "nuffink to do wit us guv!"

Credit card company site?

I was referring to why it is that CC companies *can't* automatically fill in the address for the supplier.

so the point is moot then.

suppliers *must* NOT store your CVV number in their database

they must validate the CVV number, at point of sale (and now they have to go through the CC two factor authentication)

if they don't, the loss falls to them, so what do I care? (apart from on a "big picture" pov)

I have no idea, as I don't use it because it has a reputation for being an insecure method of payment (from the POV of the customer)

If you think that it's not, you need to explain

Err, if someone has nicked your credit card or has access to it, they'll have the CVV number too...

I've had two cases over the years of someone (trying) to use my credit card. Only knew about it as the credit card company was suspicious. Could be a hidden camera at a terminal got the details.

With PayPal, I only ever use it at home. So someone would need my password.

No matter how you pay for something, there will be someone somewhere who has been conned.

OK I missed that bit :-(

they still "need" to have the item shipped to your address

The risk case with PP is transactions initiated by fraudulent suppliers

the very nature of PP means that fraudulent suppliers exist in greater numbers in the PP payment space than in the CC payment space.

And as I posited before, it's very much easier for the companies to determine that a physical transaction was/wasn't made by you, than one an online supplier claims you made.

So CS are far more likely to believe/help you when you complain.

Also is it a T&C of PP that deliveries "should" be made to the (card's) registered address?

That's a big protection plus for CCs.

I don't consider that fraudulent third party transactions are cons, they are theft

A con requires some complicity by the victim (not necessarily knowing complicity)

With the recent transaction I made which I'd class as fraud or a scam, I had the choice to pay with Paypal or a CC. And too small a sum to be covered by the CC laws.

You claim to be an expert on Paypal but don't use it?

PayPal allow you to register a number of addresses in addition to the cardholder address. For me, it has come in very useful.

that's an example of a scam that's already been perpetrated before the payment company is involved

it's isn't analogous to schemes where the payment method is part of the scam

Nope, I made no such claim

I said that it had a reputation for ....

because it doesn't appear to have the same level of verification of transactions as CCs do (and that's before CCs had to introduce two factor authentication for online purchases) - and so far you have told me nothing to disprove that. Just you being a happy customer isn't enough.

and most certainly there is lots of anecdotal evidence that it has a CS department whose default response to customer's complaints of being scammed is "tough luck"

tim

but, by its very nature, it makes the payment method insecure

That a quid pro quo that some may accept

for others, it is a deal breaker

What to do when your Paypal account is frozen.

How to Reduce the Risk of PayPal Account Holds and Frozen Funds

Steps to get your frozen PayPal account back

Seems like you must have been listening to the wrong anecdotes, then.

The biggest complaint about Paypal by far is from vendors who've had their accounts frozen solely on the word of scam buyers. Falsely claiming non-delivery, returning substituted goods, all sorts.

If you've been paying for your information then you should seriously think about asking for your money back. Which had you paid with Paypal, would probably have been no problem at all.

michael adams

...

As I said, there is no payment method that hasn't been the subject of a scam.

That would depend on who you believe. Unless you can give a link to official statistics.

As I said, if someone has access to your credit card, they can make an online payment easily. My CC doesn't need extra verification for the majority of purchases I make online. Which are never for vast sums.

If someone has access to your Paypal login details it would also be easy to use them fraudulently.

And you think a CC company is going to bring out the big guns for a modest sum?

I didn't think PayPal told the supplier the payee's card address where another address is used for delivery?

BICBW