3 ms·
> 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
by 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 agoIn 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.