maitaitom

I am purchasing tickets to Last Supper in Milan and received an email saying I will have to enable on my credit card the "3D Secure code" because "In accordance with the new European rules on data protection credit card details can no longer be shared by email."

I called Citibank about my VISA card. and they do not have that technology yet. I called MASTERCARD and just sat on hold for a half hour as they tried to find someone to help me. They finally said they'd call back in an hour.

What is a 3D Secure Code? Thanks.

Moderator2

Is it a "three digit secure code" printed on the signature strip of your credit card?

PalenQ

OK I've had that for years but - I thought as OP may have - that it was some kind of high-tech 3-D like in 3 dimensional and wondered wow!

But:

<I will have to enable on my credit card the "3D Secure code" because "In accordance with the new European rules on data protection credit card details can no longer be shared by email.">

This makes is sound like something you can enable and how do you 'enable' that 3-digit security code on signature strip of card> Either poor translation and 'security' maybe should have been 'Security' as we always call it. CitiBank saying they don't have that technology yet could have been someone also flummoxed over what it really was and just said they don't have that technology yet out of ignorance.

And the bit about can't email the protection credit card details - I guess the 3D or 3-D - how do you give it to them?

Or maybe there is some high-tech 3-D Secure Code our banks and us know nothing about?

I think mod2 has it but not sure.










but how do you give your credit card details and security code to them if cannot be by email?

All very flummoxing and I can see why banks even could not figure it out. They

Jean

If you have faith in Wiki:

https://en.wikipedia.org/wiki/3-D_Secure

The Eurail website describes it. Perhaps one of the credit card links will help you.

https://www.eurail.com/en/help/order...secure-payment

janisj

Not as I understand it - the security code is different - one just provides that to a merchant to prove you have the actual cc in hand and not just the account number..

Two of my cc's have a 'Verified by Visa' process and I think that may be what this is about. (not sure though)

whitehall

That is correct. I believe you can go to Visa or MasterCard and get a special password in advance OR I believe when you go to checkout with your credit card at time of purchase, you will go to a separate screen to accomplish this.

Mara

I used my US credit card three times recently, twice to buy tickets on trainline.eu and once to buy a museum ticket in Vienna. At the end of the transaction a screen popped up that said something about Verified by Visa and a couple of seconds later the charge went through....maybe that is it? I didn't have to do anything. Maybe that is what janisj is referring to.

I do remember a few years back that I had to get some kind of special code from my bank to buy something online in Europe which was a huge hassle but that was years ago...and that wasn't the card I use now...

vinoroma

The above wiki link is pretty much right. I do have a credit card that applies the verified by visa system. Whenever i am using the card, it asks for a password which i have establihed priorly on the credit card website (once only). But the whole thing doesn’t have anything to do with the reason they gave you, it is just an added extra security layer after the merchant has your cc number and the three digit code.

bilboburgler

Sure you just set up a verification code with Visa or Master Card. Normally about 8 digits long they ask you for 3 of the digits as part of the internet trade process, you don't give the digits to a human it is fully automated. Any US bank that doesn't have this must be in the dark ages. Normally used for expenditure over about £1k but it can be less and if you build up a history with them you tend to be dropped out of the process for repeat expenditures.

Christina

I have a certain Visa credit card I always use when buying train tickets from SNCF, the French rail agency, and that screen comes up when I buy something also, the Verified by Visa thing. I don't have any password though and never set one up, it just processes it. I did make sure my bank was aware that foreign charges would be coming through. So I think it's just something the bank sets up (my bank is Chase with that card I use).

StCirq

What Christina said. I never set up a password, but every time I buy something that falls within the Verified by Visa purview, it sends me an SMS with a code. Then, a screen shows up on my laptop and asks me to enter that code. When I do, the purchase is confirmed.

maitaitom

Although the Capital One people said they didn't know about Virtual cards, I have found they have something called ENO where I can set up a virtual account. Who knew that it would be easier for Da Vinci to paint The Last Supper than me to go see it? And bilboburgler, yes many of our banks are in the dark ages. I remember when it took them so long to set up a chip. Anyway, onward and upward ... I hope ... now that I found this ENO website.

Mara

maitaitom. were you able to purchase your Last Supper ticket with your Capitalone card? Your original post mentioned a Citicard - the reason I ask is that I use my CapOne card for all my overseas shopping due to its no foreign currency charge and haven't been asked to provide a Secure Code. As I said above (as did Christina) the Verified By Visa page seems to work automatically...

Also the CapOne card doesn't want travel alerts now or in the past year or so....I haven't tried ENO yet....

Christina

but every time I buy something that falls within the Verified by Visa purview, it sends me an SMS with a code. >>

I don't have to do that. I don't have to put in any code and it doesn't send me text messages, not sure how it would even know my phone number. I even buy tickets from my tablet when in Europe from the SNCF website, and it processes it immediately because my Chase Visa credit card is retained in my SNCF online account. The SNCF web site does not have a screen where I have to put in a code. Some text message would not work for me as the phone use in Europe is completely different from the one I use in the US where I mostly do my purchases, and in fact, I did that even before I got a French SIM card phone.

I don't get what a "virtual account" is or why you would want one or what that has to do with this topic.

maitaitom

Yes, Capital One guy got me to Verified By Visa, but website said my card could not use it. They have now given me a phone # for Verified By Visa. Right now, an extra glass of wine in Milan sounds better than The Last Supper, but it has become a quest. Thanks.

maitaitom

Verified By Visa verified that we could not use it because Capital One had not approved card for Verified By Visa. I am now giving up on Plan A and going to Plan B ... going to make a Bank Transfer. Thank heavens I'm semi-retired and have time for this

bvlenci

The issuing bank decides how to implement Verified by Visa or the Mastercard equivalent. I have an Italian card that used to require that I enter a password. Now they send me a one-time code by SMS, which I prefer. My husband has a card that's verified based on an image he chose, and then he has to select that image from a bunch of thumbnails.

You do have to register with the service. Maybe some issuing banks don't use it at all, which would explain why some people don't have to do anything to verify the card.

maitaitom

bvlenci, After talking to so many people at VISA and CapitalOne, I gave up and did the bank transfer, which I hope worked because VivaTickets didn't give me all details. Wells Fargo lady was great. BT cost more, but we split the cost with our friends, and we'll have a funny story whether it worked or not. Our motto since college has always been, "The Yuks come first."

bvlenci

If I'm not mistaken, Vivaticket also takes Paypal, which is much quicker and easier than either a credit card or a bank transfer.

That is, if you're already registered with Paypal.

Mara

I guess it depends what website and country you are using the card, as for me, as Christina says, a screen just comes on, gets itself Verified by Visa, and the charge goes through....my charges were in London for trainline.eu which shows up as Trainline London 75009 France and one in Vienna....