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Yes, it seems to me that USA (and in my case Australia) have extremely pro-customer payment protection. Europe, especially outside of the EEA, is very pro-bank

Yes, it seems to me that USA (and in my case Australia) have extremely pro-customer payment protection. Europe, especially outside of the EEA, is very pro-bank and anti-customer in the specific niche of card payments. The explanation I get is that if a card payment was verified by the customer with 3D Secure, it is considered valid and cannot be challenged. Which is true, the customer did enter their personal password on the page, and then the code received by SMS that's valid for 30 seconds. What the banks neglect to consider is a non-cooperating merchant that refuses to return money that was paid under a sales contract and specific conditions, i.e. "I am buying a light green colored desk lamp with frosted glass", and receiving a broken product, or "Item significantly not as described" -- counterfeit product, or a pink ceiling lamp with transparent glass. Banks in the USA almost always take the customer's side. Interesting to note (because of the proximity and similarity between Canada and USA, vs. say Germany or Spain or Russia), Canadian banks, as far as I know (from friends there), do not take the customers' side if there is no doubt in the security of the payment process and the validity of the authorization, regardless of the claims by the customer.

hrktb 7y ago
My guess would be that under EU protection you can’t deny having willingly provided the money, and ask the bank to take it back just because you don’t feel it was worth it anymore. The claim would go through the police or a formal fraud complaint, and you’d be basically pursuing the fraudster in small claims.
AnssiH 7y ago
> The explanation I get is that if a card payment was verified by the customer with 3D Secure, it is considered valid and cannot be challenged. Was this with a credit card or a debit card? At least with my (European) bank the above is only true for debit cards, while credit card payments can also be chargebacked on contract disputes with the seller.
- milankragujevic 7y ago
  In Serbia it is the same, the protections fall under the card issuer (MasterCard/VISA). I then went ahead and read up on MasterCard's Zero Liability procedure, and asked the bank again. They again lied and pretended I misunderstood the document. So, yeah, protection is apparently the same for credit and debit cards, and it's basically none. To submit a chargeback you physically have to go into the bank office, and write a statement, sign at least 5 papers, and wait 30 days for a REPLY. If they approve it, wait 15 days to get the money back, but they can extend it up to 45 days, for a total 75 days of agony and hell. What is the worst thing to me is that MasterCard/VISA rules should be the same worldwide, and at least for MasterCard, the rules are the same on the Serbia-specific website (https://www.mastercard.rs/sr-rs.html https://www.mastercard.rs/sr-rs.html), yet every bank lies it's way into non-compliants with hand-wavy statements about their own terms. Additionally, I pay for a MasterCard Gold which is 3x the price of the regular card, so I could evade this bullit, yet I'm in the same problem as everyone else.

hrktb 7y ago

My guess would be that under EU protection you can’t deny having willingly provided the money, and ask the bank to take it back just because you don’t feel it was worth it anymore. The claim would go through the police or a formal fraud complaint, and you’d be basically pursuing the fraudster in small claims.

AnssiH 7y ago

> The explanation I get is that if a card payment was verified by the customer with 3D Secure, it is considered valid and cannot be challenged. Was this with a credit card or a debit card? At least with my (European) bank the above is only true for debit cards, while credit card payments can also be chargebacked on contract disputes with the seller.

milankragujevic 7y ago
In Serbia it is the same, the protections fall under the card issuer (MasterCard/VISA). I then went ahead and read up on MasterCard's Zero Liability procedure, and asked the bank again. They again lied and pretended I misunderstood the document. So, yeah, protection is apparently the same for credit and debit cards, and it's basically none. To submit a chargeback you physically have to go into the bank office, and write a statement, sign at least 5 papers, and wait 30 days for a REPLY. If they approve it, wait 15 days to get the money back, but they can extend it up to 45 days, for a total 75 days of agony and hell. What is the worst thing to me is that MasterCard/VISA rules should be the same worldwide, and at least for MasterCard, the rules are the same on the Serbia-specific website (https://www.mastercard.rs/sr-rs.html https://www.mastercard.rs/sr-rs.html), yet every bank lies it's way into non-compliants with hand-wavy statements about their own terms. Additionally, I pay for a MasterCard Gold which is 3x the price of the regular card, so I could evade this bullit, yet I'm in the same problem as everyone else.