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PayPal Website Payments Pro [PayFlow Migration]

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JulieBarlow View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JulieBarlow Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 7:48am
Oops using phone to reply! That should be paypal and romancart not papal and Romania lol
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applied View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote applied Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 10:21am
We too have a lot of declined using Paypal Pro, but when the customer calls and we put it through the Paypal virtual terminal they go through fine.

Can someoneone remind me which card(s) will not be accepted if we turn 3d secure off.
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ponyandcarriage View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ponyandcarriage Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:13am
As far as I am aware only Maestro won’t work, I had a lengthy talk with PayPal Pro merchant support and RC about pros and cons and decided not to use 3DS,although it is all set up and ready to tick the RC box if necessary, but this was probably back in September – October 2009 so things might of changed .

It was our opinion at the time that most people have an alternative card to their Maestro card and that using PayPal Pro we were still covered with not using 3DS as still I believe is not mandatory.

Martin
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Silent_Explorer View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Silent_Explorer Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:15am
Hi,

I've had 3D secure enabled since it was first introduced and I've lost numerous sales due to customers not being able to remember their SecureCode password but I've stuck with it as I was informed that you won't be able to accept debit cards unless you enrol for 3D secure.

After reading this forum post I disabled 3D secure in my PayPal Website Payments Pro integration settings yesterday evening and I've just done a test transaction using my Visa Debit card and it worked perfectly and I've had no failed transactions so far today!

I'll leave 3D secure disabled and see what happens, I'm hoping my failed transaction rate will drop significantly

Regards

Nick G.
The Garage Door Spares & Automation Specialists - open your garage door at the press of a button !
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applied View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote applied Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:25am
I am coming to the same conclusion - we have a lot of failures where the customer claims they do know their password and we have problems with Maestro anyway so it appears to give no benefit to the merchant. One of the faults we have found with Maestro is the issue number is a single digit on most cards, but it only works if you put two digits in (ie 01 not 1). This way at least we can take virtual terminal transactions for Maestro.
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rscass View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rscass Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:45am
My experience is that there is a very high awareness of 3DS in the UK.

Prior to enabling 3DS I was repeatedly targeted by fraudsters and ended up checking the electoral register and/or phoning any customer who was trying to spend more than £90.00.

I have had just two attempted frauds since I implemented 3DS and since each one had about 12 goes at getting one of a multitude of cards to work, they were really easy to spot.

The major retailers have implemented it on their websites - I'm not sure I want customers who either don't know their password or are unable to enrol.

I did think however that there wouldn't be a choice by now.

Edited by rscass - 11 March 2011 at 11:49am
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ponyandcarriage View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ponyandcarriage Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:45am
Hi Nick
I defiantly think the problem lies in people forgetting their SecureCode password, if they do fail the two or three attempts allowed, they then have to remember the email address they used originally to reset the SecureCode password, which in its self is a night mare for many as they have changed BB provider email address etc.

My mother has gone through this exact process of hoops when I was with her back along and she decided sod it I will sort it out another day [a lost sale for someone]

Not a problem for those that give their cards a regular pasting online and are ofay with internet and email, but I feel a very large proportion of the more aged population (with disposable capital)are only just getting to grips with the internet – email – and online buying

Martin
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Post Options Post Options   Thanks (0) Thanks(0)   Quote applied Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 11:50am
Having now disabled 3d secure, the RC payment page still asks for the Start date and issue number for Maestro cards - how can these unnecessary (and confusing fields) be removed when it won't accept Maestro without 3d secure anyway?
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Silent_Explorer View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Silent_Explorer Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 12:04pm
Martin,

I agree with you on this, I take a large volume of orderers from elderly 'first-time' buyers to which the 3D Secure page can cause them to give up and abandon the purchase.

It's essential the we strive to make our checkout process quick and simple, not add lots of hoops for our customers to jump through!

In any case I see the 3D secure system as little of no benefit beacuse if a faudster want's to complete a dodgy card transaction without entering a 3d Secure code he could simply use the 'Checkout With PayPal' method and choose to pay by card whereby the PayPal checkout doesn't ask for the 3D Secure password!

Regards

Nick G.
The Garage Door Spares & Automation Specialists - open your garage door at the press of a button !
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rscass View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote rscass Quote  Post ReplyReply Direct Link To This Post Posted: 11 March 2011 at 12:10pm
I suppose it depends upon your customer profile.

Most of mine are women aged 25-40.

The products I sell are essentials which will not be bought on a whim - so I guess my customers are highly motivated to complete the transaction.



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