3 ms·

In both cases we're talking about a customer who has deliberately signed up and provided us with their contact and payment details. It just happens to be the sa

In both cases we're talking about a customer who has deliberately signed up and provided us with their contact and payment details. It just happens to be the same customer twice, but providing different details so we can't automatically determine that they're the same person. In an ideal world, perhaps we would verify exactly who each customer is for legal purposes, but in reality there's no good way to do that, so we accept a fraud risk that is small in practice in return for streamlining the process for both ourselves and our customers. There are systems that will shift that liability if you go through additional authorisation checks at purchase time (and in Europe, use of these systems will become mandatory in most cases later this year) but it is not clear that these are actually helpful, in that they may do more harm than good. As for having a law against anything, I don't see how this is much different to when I buy my shopping from a grocery store and all I need to provide for payment is my card and PIN (and not even the PIN for most low-value transactions these days). Or of course I can pay completely anonymously using cash.

inetknght 8y ago
> In both cases we're talking about a customer who has deliberately signed up and provided us with their contact and payment details. It just happens to be the same customer twice, but providing different details so we can't automatically determine that they're the same person. Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? > I don't see how this is much different to when I buy my shopping from a grocery store and all I need to provide for payment is my card and PIN (and not even the PIN for most low-value transactions these days). Your card provides name and address information. PIN provides "security" (for some definitions of security...). > Or of course I can pay completely anonymously using cash. If a user is somehow paying for services with cash online... doesn't that rather necessitate that they can't enroll in automatic billing? So, how does that have anything to do with the topic at hand: automatically billing against cards which are no longer valid.
- Silhouette 8y ago
  Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? No and no. There is a certain amount of basic checking of some parts of an address that can optionally be done. It's nothing like as comprehensive as you seem to be expecting, though. Your card provides name and address information. Not necessarily, at least not that the merchant can see in full. Again, just because the card issuer has such information, that doesn't mean the merchant necessarily does. If a user is somehow paying for services with cash online... doesn't that rather necessitate that they can't enroll in automatic billing? So, how does that have anything to do with the topic at hand: automatically billing against cards which are no longer valid. The point was that you don't necessarily have to know someone's identity definitively to trade with them lawfully.

inetknght 8y ago

> In both cases we're talking about a customer who has deliberately signed up and provided us with their contact and payment details. It just happens to be the same customer twice, but providing different details so we can't automatically determine that they're the same person. Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? > I don't see how this is much different to when I buy my shopping from a grocery store and all I need to provide for payment is my card and PIN (and not even the PIN for most low-value transactions these days). Your card provides name and address information. PIN provides "security" (for some definitions of security...). > Or of course I can pay completely anonymously using cash. If a user is somehow paying for services with cash online... doesn't that rather necessitate that they can't enroll in automatic billing? So, how does that have anything to do with the topic at hand: automatically billing against cards which are no longer valid.

Silhouette 8y ago
Isn't a user required to enter their name and address information for you to be able to charge the card? Doesn't that have to match the card? No and no. There is a certain amount of basic checking of some parts of an address that can optionally be done. It's nothing like as comprehensive as you seem to be expecting, though. Your card provides name and address information. Not necessarily, at least not that the merchant can see in full. Again, just because the card issuer has such information, that doesn't mean the merchant necessarily does. If a user is somehow paying for services with cash online... doesn't that rather necessitate that they can't enroll in automatic billing? So, how does that have anything to do with the topic at hand: automatically billing against cards which are no longer valid. The point was that you don't necessarily have to know someone's identity definitively to trade with them lawfully.