Amazon payment process

[The Patri0t]

I do not understand how their payment process works. Why do they not charge the card instantly? and why are they not asking for the 3 digit CVV2 code? [i think this is the reason it gets declined?) My card has been declined even though its working fine on other websites. I canceled the order and thought I will purchase a gift card instead, perhaps that would be instant charge but that's not the case either. Until now, all shopping sites I have used charge the card within seconds of clicking submit. What's Amazon's method of charging?

[thechronic]

Paypal?

[The Patri0t]

Paypal?

They don't accept Paypal.

[acnpt]

They charge the card, when the order is dispatched.

Try deleting the card, then adding it as a new payment method. It should ask you for the CVV2 code again then.

[-KJ]

If you have PayPal you can generate a CC.

[The Patri0t]

They charge the card, when the order is dispatched.

Try deleting the card, then adding it as a new payment method. It should ask you for the CVV2 code again then.

Dispatched meaning shipped? I contacted the seller directly, according to them Amazon charges the card and sends them shipping address, then the order will be shipped & confirmed, they do not support CVV2 :(. This is what I received from their support just few minutes ago.

CVV2 security code:

I'm sorry, but our ordering system is not set up to accept the CVV2 security code associated with credit cards. I hope this will not prevent you from receiving your order. Some issuing banks do have stricter requirements for internet purchases. If your bank requires that the CVV2 code be submitted, unfortunately we can't accommodate that request and you will need to use a different credit card or payment method.

I apologize for any inconvenience this may cause.

I am amazed though, there are Banks that will issue the credit/debit card and not require CVV2 authorization? and more at Amazon, they have a big name but there system doesn't have any support for CVV2...

If you have PayPal you can generate a CC.

I don't have Paypal, even if I had generating a CC would take time unless they give you Virtual CC...

[acnpt]

Dispatched meaning shipped? I contacted the seller directly, according to them Amazon charges the card and sends them shipping address, then the order will be shipped & confirmed, they do not support CVV2

Ahh right, that's an Amazon Marketplace order.

If you order an item sent by Amazon, they charge when the item is shipped.

Here in the UK they don't to ask for the CVV2, or Verified by Visa either, which I like as it's quick and simple to order.

However I wonder if Amazon actually have to pay for fraud themselves. :blink:

[thechronic]

I don't have Paypal, even if I had generating a CC would take time unless they give you Virtual CC...

mmm, do they use that Google Checkout then?

[Julius Caro]

Why contact the seller? I thought Amazon handled the payment directly, hence 'amazon payments'. And the security restrictions depend on your bank really.

[acnpt]

mmm, do they use that Google Checkout then?

No.

You could use an Amazon giftcard, if you can buy them elsewhere.

Or explain the situation to the seller, and see if they except paypal or have a website.

[The Patri0t]

Ahh right, that's an Amazon Marketplace order.

If you order an item sent by Amazon, they charge when the item is shipped.

Here in the UK they don't to ask for the CVV2, or Verified by Visa either, which I like as it's quick and simple to order.

However I wonder if Amazon actually have to pay for fraud themselves. :blink:

I can't think of a reason why they do not have a setup where they authenticate the CVV2 as well, I mean is it too hard given they are already processing rest of the information?

Why contact the seller? I thought Amazon handled the payment directly, hence 'amazon payments'. And the security restrictions depend on your bank really.

I contacted the seller just to have an idea of Amazon's payment system and Amazon is the first website I have seen which doesn't ask for CVV2 code, so I wouldn't blame my Bank for it. CVV2 is there for a reason.

No.

You could use an Amazon giftcard, if you can buy them elsewhere.

Or explain the situation to the seller, and see if they except paypal or have a website.

Ya, thinking of some other way.

[boo_star]

To be fair to Amazon CVV2 is as much use as a chocolate fireguard.

It was useful when it was first introduced as few retailers used it so it was harder for fraudsters to get hold of it. Now that it is used everywhere getting card details with the CVV2 is the norm.

Address verification combined with a strict "only send to the cardholders registered address" is the best, simplest way.

VbV and MasterCard Securecode are more secure but fiddly for the consumer and probably significantly more costly for the retailer whilst offering only marginally more protection than address verification combined with a strict shipping policy.