3D Secure Abandonment Rates

[NorthDave]

miniman said:

Because two factor authentication of that nature is completely tedious and would have buyers leaving in droves.

It would me. If my bank introduces one of those daft pin generator things I will leave. No negotiation.

I am often away with work and dont want to carry a PIN device round with me. This would mean I could only order stuff when at home - a completely backwards step.

[LooneyTunes]

All that jazz said:

ringram said:

You dont actually need to set a password. For those that have, commiserations.

Basically just fill in the details and click cancel at the next page where it asks you to set a password. This is purely optional. It will have already validated you at this point so will pass the sale.

Means you have to enter more fields, but they are easy ones if you have the card to hand.

That's right, you can, but you've already typed them in once and now you have to type them in again. It's what pisses people off and the reason for the abandonments.

I'd been doing that for ages, but then one day the "cancel" option wasn't shown. Not sure why it went, but was effectively forced to sign up.

[bigandclever]

Visa are also introducing v.me in the spring, to compete with PayPal, Square, PayPass and whoever else.

[Burrito]

LooneyTunes said:

All that jazz said:

ringram said:

You dont actually need to set a password. For those that have, commiserations.

Basically just fill in the details and click cancel at the next page where it asks you to set a password. This is purely optional. It will have already validated you at this point so will pass the sale.

Means you have to enter more fields, but they are easy ones if you have the card to hand.

That's right, you can, but you've already typed them in once and now you have to type them in again. It's what pisses people off and the reason for the abandonments.

I'd been doing that for ages, but then one day the "cancel" option wasn't shown. Not sure why it went, but was effectively forced to sign up.

Different card issuers set different limits on the number of times you can cancel before forcing you to sign up. I think it was about 5 times for HSBC.

[GBB]

Thanks for the info.

Just decided not to go 3D secure (we've not for same views expressed in that it's a barrier) despite payment providers virtually insisting we do it.

[sugerbear]

bigandclever said:

Visa are also introducing v.me in the spring, to compete with PayPal, Square, PayPass and whoever else.

And (MasterCard) Paypass wallet coming soon. Currently beta testing but it looked when I saw the demo.

[Burrito]

Just revisiting this topic as it's been a couple of years.

Is the general consensus the same, that 3DS has a negative impact on the buying experience and conversion rate?

[Batfink]

I think it still does. We are naturally lazy so the easiest route is often the best. I sell more products via paypal than via credit card.
Personally as I know my card details off by heart I pay by card.

[Burrito]

That's my feeling too. And of course it's accepted best practise to make the order process as frictionless as possible.

[ctrph]

Glad this thread was brought back. Going to be installing a new payment processor in the next couple of weeks and going to be having 3D secure on it, I sell jewellery so want to reduce my fraud risk.

Does any of the ones who take paypal payments get many disputes?

[Burrito]

We take PayPal (and we're going live with PayPal Express this summer) and have very few disputes. Guestimate around 0.02% in 2 years and these were successfully challenged bar one that I'm aware of, which was our mistake so the refund was pushed through ASAP.

Products probably not as easily fenced as jewellery though, and our fraud rates are generally very low.