Hello I stumbled upon this thread looking for faults in Verify by Visa process as I tried several times to get my visa debit card accepted using the verify program it kept refusing my card details saying that the payment was refused. I telephoned my bank and they confirmed that there was no stop on any of my cards. They also informed me that five payments had been paid out of my account, I was very angry as the Visa Verification system advised me that these payments had not been accepted. currently the Giffgaff phone company have £50 of my money I have received any goods/services for these payments and I have been unsuccessful in trying to contact them. The Bank will not admit fault Nothing new there, I have emailed and received a receipt for my email from the Visa Verification People about this problem claiming that unauthorized payments have been removed from my account without my knowledge. Once 14 days have elapsed if I do not receive any goods/services for this money I can tell my bank to activate a charge back to retrieve my money. On new years day the Visa verification system threw up an error reading "There is a technical problem with the payment server. please try again later. server secure.worldpay.com at 15:15:18 on 1st of January 2015. I am not running Firefox I am running windows 7 Ultimate service Pack 1 . I do not think it is a problem with firefox more like a problem with the Verify with Visa servers going down. If you use the service please do not renter your details and try again until you have checked you bank balance to see if the verification service has been bypassed and the payment has been allowed by your bank even if an onscreen message confirms that payment has not been allowed. I hope this helps. regards.