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Thread Statistics | Show CCP posts - 2 post(s) |
Lyra VX
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Posted - 2006.04.24 14:50:00 -
[1]
Honestly, you'd think that after all this time it's something that would have been implemented. Not everyone has a credit (Visa/MC/AMEX) card. Not everyone wants to or feels comfortable setting up an account with Paypal and the like.
Maestro/Switch is the most commonly used form of debit card (and probably more used than Visa/MC/AMEX in terms of numbers of people with one), it's available to more people and yet it's not a direct option for payment.
I'm sure there is an explanation for this, but I'd really be interested to hear what it is. |
Nafri
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Posted - 2006.04.24 14:52:00 -
[2]
I think its more complicated for CCP
Jawas are lousy carebears :(
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Jenny Spitfire
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Posted - 2006.04.24 14:55:00 -
[3]
Debit cards not safe.
Credit cards always protected by middle man, i.e. the card company.
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RecruitMe@NOINT!
RAWR!11 Sig Hijack!11 - Imaran |
Sensor Error
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Posted - 2006.04.24 14:57:00 -
[4]
 Originally by: Jenny Spitfire
Debit cards not safe.
Credit cards always protected by middle man, i.e. the card company.
Then why do they accept Visa Electron/ Visa Delta?
RABBLE RABBLE RABBLE!!!
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Jenny Spitfire
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Posted - 2006.04.24 15:02:00 -
[5]
Originally by: Sensor Error
Originally by: Jenny Spitfire
Debit cards not safe.
Credit cards always protected by middle man, i.e. the card company.
Then why do they accept Visa Electron/ Visa Delta?
They do? 
/me nub. 
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RecruitMe@NOINT!
[violet]RAWR!11 Sig Hijack!11 - Imara |
Splagada
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Posted - 2006.04.24 15:02:00 -
[6]
lol here in belgium a maestro card is the first card you get, and it's not accepted everywhere :p
in france it's accepted nowhere, and in most country
ask a mastercard they cost 15 per year, or just ask your bank to do it for free, they sometimes accept
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Member of [AAST] |
Emperor D'Hoffryn
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Posted - 2006.04.24 19:24:00 -
[7]
my debit card has a VISA logo on it...so it works just like a credit card....but its a debit card.
Never heard of the cards you mentioned, but yea, you dont see debit support anywhere on the internet.....but of course
debit cards are not fraud insured, so are you sure you want to use it?
Originally by: Tuxford
Yes we don't play on our main accounts simply because you would lose all respect for us 
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Maya Rkell
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Posted - 2006.04.24 19:26:00 -
[8]
Edited by: Maya Rkell on 24/04/2006 19:27:02
Yes, there is marginally more fraud with Switch/Maestro. But that's going to be more than mde up in people who can now play who previously had issues - especialy those shafted by the PBC paypal fiasco.
In the UK, very very few retailers do not support Switch/Maestro. A significant number don't support Electron/Delta, mind you.
"The Human eye is a marvelous device, with a very little effort it can overlook all but the most glaring injustice" - Quellchrist Falconer |
Andrue
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Posted - 2006.04.24 19:30:00 -
[9]
Debit cards have often been restricted like that. My theory is that it's because debit cards hit your current account immediately. That means they are like a blank cheque. DD fraud can leave you without any money.
In contrast although a CC issuer will expect you to pay something toward a contested debt, by their nature you don't get bankrupted by one bad bill. You can just make the monthly payment until the matter is cleared up, reclaim the interest and move on.
CC fraud is therefore irritating but not a serious problem. DD fraud could leave you stuck on a railway platform hundreds of miles from home with no money to your name. CC fraud never would.
--
(Battle hardened miner)
[Brackley, UK]
WARNING:This post may contain large doses of reality. |
Tachy
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Posted - 2006.04.24 19:32:00 -
[10]
I have never had any problems paying anything with a VISA debit card.
Check VISA payment method, insert numbers, be happy.
--*=*=*--
Megadon
CCP wanted a well known artist and celebrity to test the new font so it's approval would be well known. They got Ray |
Maya Rkell
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Posted - 2006.04.24 19:34:00 -
[11]
Originally by: Andrue
Debit cards have often been restricted like that. My theory is that it's because debit cards hit your current account immediately. That means they are like a blank cheque. DD fraud can leave you without any money.
So what? From CCP's perspective we're talking small payment amounts. Because suspicious activity DOES get noticed like with a CC...
"The Human eye is a marvelous device, with a very little effort it can overlook all but the most glaring injustice" - Quellchrist Falconer |
Andrue
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Posted - 2006.04.24 20:04:00 -
[12]
Edited by: Andrue on 24/04/2006 20:04:59
Originally by: Maya Rkell
Originally by: Andrue
Debit cards have often been restricted like that. My theory is that it's because debit cards hit your current account immediately. That means they are like a blank cheque. DD fraud can leave you without any money.
So what? From CCP's perspective we're talking small payment amounts. Because Yes suspicious activity DOES get noticed like with a CC...
Yes it does get noticed but you're missing the point. If my CC gets debited 10k then I have to pay interest while the matter is cleared up. Although annoying and worrying life continues. If I'm a good customer I probably get a replacement CC by next day post and an immediate refund.
If my DD gets debited for 10k my mortgage, pension and loans don't get paid. I risk being dragged into court and a CCJ being made against me. My life could be temporarily ruined. I may even have difficulty buying food.
CC cards allow you to defer big payments whereas a DD is immediate.
ISTM (and this is purely a guess) that banks and transaction processing companies may prefer to avoid DD cards for fear of causing people such grief.
Another possible explanation is the cost of clearing the payment. A bank set up to clear CC payments may have to pay more to get DD payments cleared. When Barclay's Connect DD first appeared it was common to have shops decline to accept them for amounts below ú5 because it wasn't worth it. These days of course a sensible shop keeper processes the voucher through Switch and it costs them almost nothing (last I heard) but not everyone will have that choice.
As far as I know processing any form of 'plastic' currency involves paying someone to deal with it and not everyone charges the same rate for all types of cards.
--
(Battle hardened miner)
[Brackley, UK]
WARNING:This post may contain large doses of reality. |
Maya Rkell
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Posted - 2006.04.24 20:07:00 -
[13]
So charge a 2.5% processing fee or whatever.
The rest really ISN'T of interest to the merchant, and many banks insure for debt on a debit card too.
"The Human eye is a marvelous device, with a very little effort it can overlook all but the most glaring injustice" - Quellchrist Falconer |
Viktor Fyretracker
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Posted - 2006.04.24 20:09:00 -
[14]
Debit also requires entry of a pin number, i know at the supermarket you need a pin to use a debit/atm card. so that means CCP would have to store PINs on their server.
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Maya Rkell
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Posted - 2006.04.24 20:11:00 -
[15]
Edited by: Maya Rkell on 24/04/2006 20:11:47
Viktor Fyretracker...
*blinks*
No, it does not. Switch/Maestro has had a verification number printed on them like credit cards for some years.
"The Human eye is a marvelous device, with a very little effort it can overlook all but the most glaring injustice" - Quellchrist Falconer |
mahhy
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Posted - 2006.04.24 20:11:00 -
[16]
Maybe its just that debit cards are different from country to country. Maestro/Switch I've only ever seen in the UK. In Denmark there "Dankort". In Canada each bank issues their own, that are usually Maestro/Cirrus network and not affiliated with credit cards at all, while things like Maestro/Switch/Dankort can be...
Just a guess...
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ToxicFire
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Posted - 2006.04.24 20:30:00 -
[17]
Originally by: Maya Rkell
Edited by: Maya Rkell on 24/04/2006 20:11:47
Viktor Fyretracker...
*blinks*
No, it does not. Switch/Maestro has had a verification number printed on them like credit cards for some years.
Maya is quite correct, the Switch/Maestro has had the security measures and verification systems the same as credit cards for a number of years its why they are accepted as payment options along side creditcards by a number of third party payment systems such as paypal and click2pay
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Nyphur
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Posted - 2006.04.24 20:34:00 -
[18]
Edited by: Nyphur on 24/04/2006 20:34:45
Originally by: Sensor Error
Originally by: Jenny Spitfire
Debit cards not safe.
Credit cards always protected by middle man, i.e. the card company.
Then why do they accept Visa Electron/ Visa Delta?
Visa Electron comes with the fraud protection of Visa cards, AFAIK. I use it to sign up. Effectively, it works as a visa card except with the credit linked to your bank account directly.
Eve-Tanking.com - For the ultimate tanking spreadsheet and resources. |
Nvali
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Posted - 2006.04.24 21:07:00 -
[19]
Due to their encryption/security technology, debit cards can not be used for a card not present transaction. The user has to swipe their card and enter a PIN into a physical device. So, since there is no physical store you can walk into, you can't pay with a debit card. Not CCP's fault.
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ToxicFire
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Posted - 2006.04.24 21:13:00 -
[20]
Edited by: ToxicFire on 24/04/2006 21:13:51
Originally by: Nvali
Due to their encryption/security technology, debit cards can not be used for a card not present transaction. The user has to swipe their card and enter a PIN into a physical device. So, since there is no physical store you can walk into, you can't pay with a debit card. Not CCP's fault.
Dude i think u like need to look at all the stores that accept switch/mastero and other debit cards online. Heck even domino's pizza online accepts my debit card and no i don't have to swipe it when the delivery guy turns. Also look at pay pal you can put funds into you paypal account using debit cards. Theres not a physical requirement on all debit cards.
Also no one swipes anymore thats so 1990's its chip and pin these days, yea baby.
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Nvali
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Posted - 2006.04.24 21:15:00 -
[21]
Actually, now that I think about it, my previous answer is not a complete answer: in the US at least certain industries are beginning to be permitted to take debit cards without validating the PIN number (physical device security is necessary for protecting the PIN). These industries are being selected as recurring utility industries due to lower fraud (telephone & power companies & such).
So, complete answer is: debit card PIN can't be protected without a physical device, and using the debit card without a PIN is only allowed for particular companies operating in certain low-fraud industries. CCP is unlikely to ever qualify in that category, so they won't be able to use a PIN based debit card for card-not-present transactions, so you can't use switch because there is no CCP store you can walk into. :)
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Lyra VX
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Posted - 2006.04.24 21:16:00 -
[22]
Edited by: Lyra VX on 24/04/2006 21:16:24
I don't know about other debit cards, but Maestro/Switch cards certainly work over the net just fine. You enter the same details as you would with a credit card (car number, name, exp. date, security code), no pin number of anything like that.
I buy lots of things from online shops with my Maestro card - that's why I find it odd that CCP hasn't made it an option for players. |
Nvali
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Posted - 2006.04.24 21:17:00 -
[23]
ToxicFire, Domino's is not accepting PIN based debit online.
They are processing whatever card you are using as a credit card. e.g. your Switch has a Visa/MC logo on it, and they are taking it as that.
OP is talking about a true debit card, not a credit card. Nobody can take a PIN based debit online because a physical device is needed to protect your PIN.
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Nvali
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Posted - 2006.04.24 21:24:00 -
[24]
Lyra, Maestro is MasterCard, according to: http://www.maestrocard.com/internetpurch/
So, these cards don't work for CCP? Have you tried verifying with your bank that it is enabled for internet purchases? Does it start with a "5"? If it starts with 5 it should be processed just on the regular credit card network as a normal MasterCard. I don't see why they wouldn't work (unless your card has particular industrties/transcation types restricted at your bank). It's just the debit card network you can't use without a PIN reader.
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robacz
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Posted - 2006.04.24 21:26:00 -
[25]
Btw, there is no direct relation between credit/debit card type and brand of this card. For example I have credit Maestro card and debit VISA Classic card.
Only few internet payment processors accept ATM cards (Maestro, Cirrus, VISA Electron...). Its better for VISA Electron owners, this card is accepted more often, but generally you can say that only embossed cards (VISA Classic, MasterCard...) will be accepted by any internet payment processor.
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Menkaure
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Posted - 2006.04.24 21:27:00 -
[26]
Originally by: Nvali
ToxicFire, Domino's is not accepting PIN based debit online.
They are processing whatever card you are using as a credit card. e.g. your Switch has a Visa/MC logo on it, and they are taking it as that.
OP is talking about a true debit card, not a credit card. Nobody can take a PIN based debit online because a physical device is needed to protect your PIN.
Ok, I've got a feeling I'm lost and confused, or you are.
My Visa Debit Card, that has Debit Card stamped all over it, that I have to use PIN to buy stuff in the shops with, is what I use for payment for eve online. I also use it to buy no end of items online.
Nothing online ever asks for Pin, nor should it ever.
My friends switch card, works exactly the same way. But CCP do not accept it.
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ToxicFire
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Posted - 2006.04.24 21:27:00 -
[27]
Edited by: ToxicFire on 24/04/2006 21:28:36
Originally by: Nvali
ToxicFire, Domino's is not accepting PIN based debit online.
They are processing whatever card you are using as a credit card. e.g. your Switch has a Visa/MC logo on it, and they are taking it as that.
OP is talking about a true debit card, not a credit card. Nobody can take a PIN based debit online because a physical device is needed to protect your PIN.
Nop it doesn't have a visa/mc logo :) cus i don't have a credit card, wouldn't touch one im a student and its listed as Switch Mastero its transactions on the bank account are instantanious.
Go take a look at paypal options
http://www.maestrocard.com/uk/
And to save lyra, my mastero card doesn't start with a 5, and trust me I used it alot on pizza last year online.
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Andrue
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Posted - 2006.04.24 21:29:00 -
[28]
It does sound like DDs have greater security requirements than CCs which seems to tie in with my theory. OTOH until recently (February this year in fact) PINs weren't in common use in the UK for either CC or DD payments.
When I went to the US last November I was intrigued to find that most of the time there is no mention of PINs for CC, the reciepts often had the full CC number on them  .
Twice I was asked for my Zip code. The first time was when ordering a pizza. As soon as I said the first part there was a pause then the woman said "Oh. It only allows me to enter digits. Oh well, never mind" 
The second time was when I was filling up with petrol. Since the station was unnattended I just tried typing "111111" and it seemed happy with that  .
What this says about CC transactions in the US of A I don't really know although having the full card number on the receipt is appalling. Ho hum.
--
(Battle hardened miner)
[Brackley, UK]
WARNING:This post may contain large doses of reality. |
ToxicFire
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Posted - 2006.04.24 21:30:00 -
[29]
Originally by: Menkaure
Originally by: Nvali
ToxicFire, Domino's is not accepting PIN based debit online.
They are processing whatever card you are using as a credit card. e.g. your Switch has a Visa/MC logo on it, and they are taking it as that.
OP is talking about a true debit card, not a credit card. Nobody can take a PIN based debit online because a physical device is needed to protect your PIN.
Ok, I've got a feeling I'm lost and confused, or you are.
My Visa Debit Card, that has Debit Card stamped all over it, that I have to use PIN to buy stuff in the shops with, is what I use for payment for eve online. I also use it to buy no end of items online.
Nothing online ever asks for Pin, nor should it ever.
My friends switch card, works exactly the same way. But CCP do not accept it.
Not lost at all, your right on track
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Menkaure
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Posted - 2006.04.24 21:33:00 -
[30]
I don't think this should be debating why Debit Cards are not as safe as Credit Cards, more that people want to know why CCP accept some, but not others.
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