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871 posts

Ultimate Geek

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  # 2383509 31-Dec-2019 19:17
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I'm actually with you on this one, I had to do it when I was buying a phone only they (PBTech) stocked. I had to call the bank for a human as there was no way to get the information from internet banking. It was time consuming. If I had the choice to shop elsewhere I would have taken it.

 

 








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Uber Geek

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  # 2383510 31-Dec-2019 19:20
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While I don't have the same level of anger towards this particular payment issue (having come across it a couple of times before), I do object to other aspects of PB Tech's payments policy.

 

When sales are running, IIRC, they refuse to allow you to pay via internet transfer, so one is forced to either pay via credit card and therefore pay a surcharge, or use POLI with all its dodginess.


 
 
 
 


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  # 2383511 31-Dec-2019 19:23
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Rikkitic:

 

But then I was told I had to have my payment ‘authorised’. I am not a regular customer and I don’t want to register. I just want to make a one-off purchase, like I do all the time from other sites.

 

I followed the link to the authorisation page, only to learn that I was expected to contact my bank, ask them for the payment details, and relay that information back to PB Tech! Or, I could also send them a copy of my Internet banking transaction page!

 

 

That sounds tedious. If you have to actually contact the bank and 'email' details to PBtech that would be a pain.

 

From memory a couple of years ago, I purchased something from PBtech. Maybe that was my first online purchase. They processed the transaction and then it popped up (or emailed) and said you had to check with your bank and check the exact transaction amount that was processed and enter that into their online form.

 

The amount the bank showed was a few cents different - something like 17 cents less. So I just had to log into the bank, then enter the amount processed via the bank into the PBtech form. Everything was ok'd within a minute or so and the goods sent straight away.

 

The transaction seemed to sort itself out at the bank pretty much the same day.

 

Seemed like a good and simple system to verify that it was actually your bank account. Have they changed it?





Nothing is impossible for the man who doesn't have to do it himself - A. H. Weiler

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  # 2383513 31-Dec-2019 19:53
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robjg63:

 

The amount the bank showed was a few cents different - something like 17 cents less. So I just had to log into the bank, then enter the amount processed via the bank into the PBtech form. Everything was ok'd within a minute or so and the goods sent straight away.

 

The transaction seemed to sort itself out at the bank pretty much the same day.

 

Seemed like a good and simple system to verify that it was actually your bank account. Have they changed it?

 

 

No, thats the exact process. Problem is some people are with crap banks and don't have that information in their internet banking immediately. I would suggest directing their hostilities at their bank for being so useless.





Richard rich.ms

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  # 2383526 31-Dec-2019 21:33
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Do you use any 2FA, OP?




651 posts

Ultimate Geek


  # 2383527 31-Dec-2019 21:35
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So the 3 digit number on the back of your card is no longer good enough?


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  # 2383531 31-Dec-2019 22:07
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Journeyman:

 

So the 3 digit number on the back of your card is no longer good enough?

 

 

Nope, doesn't mean jack. It was a half backed stupid idea anyway but what you you expect from the banking industry.

 

They dont get asked for or stored when making a token with paystation, and all payments still go thru fine.





Richard rich.ms

 
 
 
 


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  # 2383533 31-Dec-2019 22:10
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sonyxperiageek: Do you use any 2FA, OP?


No smartphone
No internet banking

Blame at attempt to utilise internet banking features.

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  # 2383535 31-Dec-2019 22:20
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I haven't bothered to shop at PB Tech since their appalling fat-shaming advert some time back.

 

But on this particular issue, I understand why they have implemented this process for first time internet purchases. And if I understand correctly, it's nothing to do with money laundering, it's simply risk mitigation for good old fashioned credit card fraud.

 

If you have a phone banking app, it's a very straightforward process, so shouldn't present any inconvenience for the purchaser.

 

However, if I remember correctly from an another thread, OP only uses phone banking which would elevate straightforward process into something much more convoluted.


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  # 2383536 31-Dec-2019 22:24
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Journeyman:

 

So the 3 digit number on the back of your card is no longer good enough?

 

 

IIRC there's no requirement to use the security digits, but most merchants opted to because using it lowered their processing fees


827 posts

Ultimate Geek


  # 2383540 31-Dec-2019 22:54
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AML is probably going to get worse. With Westpac AU getting stung with the micro payments to child sites in Thailand or wherever it was, things may even get slower. 

 

I don't have an issue with the policy. The alternative is driving there and picking it up. Not ideal if you don't live near one. Sure the service isn't friendly, but I don't care, I know what product I want, often they are the only ones that have it in stock, in NZ, at a reasonable price. 

 

I remember when the AML stuff kicked off and we had to have vaild ID for customers, the one on file may have been a 20 year old photocopy in a filing cabinet somewhere.


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  # 2383541 31-Dec-2019 22:56
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I had this happen so I gave them a phone call and explained that I couldn’t jump through the hoops at the moment and so they sorted it out without having to do all of that.

I agree It’s pretty consumer unfriendly, But they will have a reason for doing this they probably don’t want to have to.

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  # 2383544 31-Dec-2019 23:03
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The funny thing is, you could still walk into the shop and use stolen cash or use your own card and they would not ask you for any of this.






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  # 2383545 31-Dec-2019 23:06
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Stolen cash doesnt get taken back when the owner calls their bank.

 

Own card would be using a pin in store which is pretty good for not having a charge back. I dont recall hearing about any retailer having a chargeback on chip+pin transactions here.





Richard rich.ms

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  # 2383548 31-Dec-2019 23:15
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richms:

Journeyman:


So the 3 digit number on the back of your card is no longer good enough?



Nope, doesn't mean jack. It was a half backed stupid idea anyway but what you you expect from the banking industry.


They dont get asked for or stored when making a token with paystation, and all payments still go thru fine.



That was only for people who enjoyed posting pictures of their credit card lol




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