[Fwd: Re: Co-op Bank and Verified by Visa]

[Richard Brooksby]

On 2009-06-18, at 22:16, Roland Perry wrote:

> In article <4A3A42F9.9060709 at ernest.net>, Nicholas Bohm reports that  
> Peter Gutmann writes:
>
>> It's fulfilling it's intended purposes, but its purpose is to  
>> prevent merchant fraud and not phishing.
>
> What's interesting is that it appears (I have a Co-op card too) that  
> not all merchants' transactions are diverted via this extra step.  
> Does that mean that the merchants where it does appear, are regarded  
> as less trustworthy by the Co-op? (And as some are household names,  
> that's a bit worrying).

The merchant has to sign up for the scheme.  If you follow my original  
link to the Visa web site there is a page there for merchants  
explaining it and selling it to them on the basis that they won't  
suffer chargebacks on VbV transactions.