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86 posts

Master Geek


# 215358 23-Jun-2017 21:57
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Noticed this on my bill that came through tonight:

 

 

Hmmmmmm.


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Mr Snotty
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  # 1805906 23-Jun-2017 22:21
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Nobody should be using Poli. The fact retailers offer it annoys me for some reason.





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  # 1805907 23-Jun-2017 22:24
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 2degrees pay monthly doesn't seem very compelling these days.


 
 
 
 


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Ultimate Geek


  # 1805923 23-Jun-2017 23:22
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I cannot believe these companies think Poli is a good idea.

 

It is very concerning from a security prospective. I for one will never use this system.


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  # 1805938 24-Jun-2017 00:58
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ArcticSilver:

 

I cannot believe these companies think Poli is a good idea.

 

It is very concerning from a security prospective. I for one will never use this system.

 

 

 

 

What do banks say though? Maybe it is a good idea for people to contact their bank?


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Ultimate Geek


  # 1805941 24-Jun-2017 01:50
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W̶h̶a̶t̶'̶s̶ ̶t̶h̶e̶ ̶i̶s̶s̶u̶e̶ ̶w̶i̶t̶h̶ ̶P̶O̶L̶i̶?̶ ̶ ̶I̶'̶m̶ ̶s̶u̶r̶e̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶n̶'̶t̶ ̶g̶r̶o̶w̶n̶ ̶t̶o̶ ̶t̶h̶e̶ ̶s̶i̶z̶e̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶,̶ ̶w̶i̶t̶h̶ ̶t̶h̶e̶ ̶m̶e̶r̶c̶h̶a̶n̶t̶s̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶ ̶o̶n̶ ̶b̶o̶a̶r̶d̶ ̶w̶i̶t̶h̶o̶u̶t̶ ̶b̶e̶i̶n̶g̶ ̶1̶0̶0̶0̶%̶ ̶c̶o̶n̶f̶i̶d̶e̶n̶t̶ ̶i̶n̶ ̶t̶h̶e̶i̶r̶ ̶s̶e̶c̶u̶r̶i̶t̶y̶.̶

 

Oh wow, I just read up about how basically no banks recommend using them, and that it exposes the customer to liability. To a customer using their system, it almost appears as if POLi has agreements with them, the way their system is so fluid. (read more..)

 

As for the credit card charge, I think it's fair enough, you can easily setup other payment methods. Seems fair that customers who want the benefit of paying with a credit card, pay for the service fees that come with that. Rather than sharing the credit card fees with those users who have setup lower cost payment methods.

 

It seems to be a growing trend with mobile/internet providers to charge this extra fee.

 

 

 

EDIT: updated my opinion on POLi cool


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  # 1805944 24-Jun-2017 02:20
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AidanS:

 

W̶h̶a̶t̶'̶s̶ ̶t̶h̶e̶ ̶i̶s̶s̶u̶e̶ ̶w̶i̶t̶h̶ ̶P̶O̶L̶i̶?̶ ̶ ̶I̶'̶m̶ ̶s̶u̶r̶e̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶n̶'̶t̶ ̶g̶r̶o̶w̶n̶ ̶t̶o̶ ̶t̶h̶e̶ ̶s̶i̶z̶e̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶,̶ ̶w̶i̶t̶h̶ ̶t̶h̶e̶ ̶m̶e̶r̶c̶h̶a̶n̶t̶s̶ ̶t̶h̶e̶y̶ ̶h̶a̶v̶e̶ ̶o̶n̶ ̶b̶o̶a̶r̶d̶ ̶w̶i̶t̶h̶o̶u̶t̶ ̶b̶e̶i̶n̶g̶ ̶1̶0̶0̶0̶%̶ ̶c̶o̶n̶f̶i̶d̶e̶n̶t̶ ̶i̶n̶ ̶t̶h̶e̶i̶r̶ ̶s̶e̶c̶u̶r̶i̶t̶y̶.̶

 

Oh wow, I just read up about how basically no banks recommend using them, and that it exposes the customer to liability. To a customer using their system, it almost appears as if POLi has agreements with them, the way their system is so fluid. (read more..)

 

As for the credit card charge, I think it's fair enough, you can easily setup other payment methods. Seems fair that customers who want the benefit of paying with a credit card, pay for the service fees that come with that. Rather than sharing the credit card fees with those users who have setup lower cost payment methods.

 

It seems to be a growing trend with mobile/internet providers to charge this extra fee.

 

 

 

EDIT: updated my opinion on POLi cool

 

 

Surely banks would block access if they didn't want their customers using it?


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Ultimate Geek


  # 1805945 24-Jun-2017 02:23
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Yabanize: Surely banks would block access if they didn't want their customers using it?



I'm not sure how it works from a technical POV, but ASB asked to be removed and POLi declined.

 
 
 
 


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  # 1805952 24-Jun-2017 06:46
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Yabanize:

 

 

 

Surely banks would block access if they didn't want their customers using it?

 

 

There were 2 poli's, one was a fake phishing grade website with the bank logos on it in violation of their copyright/trademark on the logos, which would be easy to block, just do a bait payment thru it (probably just a failed login would do the trick) and then nuke any accounts that have gone thru the same IP.

 

The other one which I saw was a browser that you logged in thru. Not sure how they would deal with that. I was more interested in if you could scam that rigged browser with a fake internet banking site that pretends to do payments, but in actual fact is just a local site that has the same responses as the bank and do some IP redirection to the local server and not the bank. I never really got around to seeing how scammable that one was.





Richard rich.ms

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  # 1815740 8-Jul-2017 00:28
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michaelmurfy:

 

Nobody should be using Poli. The fact retailers offer it annoys me for some reason.

 

 

It annoys me too but they are not the only ones:

 

https://www.paymentexpress.co.nz/merchant-ecommerce-account2account

 

It appears to me the banks choose to ignore it but will ultimately hide behind their internet banking T&C's if it all goes really bad.





Integrity Tech Solutions @ Norsewood, New Zealand


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  # 1815751 8-Jul-2017 05:43
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Thwe good news is that fee won't be around for long (at that rate) because the MBIE review of interchange fees is due out any day and it's expected they'll be dropped to match Australia by next year.

 

 


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