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Panic! Panic! What idiot would send $131.40 to Europe for something called EVE ONLINE?!?
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Marcus Harikari
#21 - 2012-02-05 14:49:45 UTC
I remember trying to use a CC when I first signed up, and my bank wouldn't even let it go through. So I used PayPal. Well, ever since that first month I've been using PLEX so no worries. But if I can't make PLEX for some reason, I'm probably screwed, lol.
admiral root
Red Galaxy
#22 - 2012-02-05 15:29:31 UTC
One of my US-based corpies had the same problem when they tried paying monthly. They can now phone up each time to get the transaction authorised, but that's nuts. Paypal works, so they've picked up another customer.

No, your rights end in optimal+2*falloff
Lharanai
Fools of the Blue Oyster
#23 - 2012-02-05 15:53:56 UTC
no offense guys, but it was hard not to fall off my chair....

here just some facts from my own experience in regard to banking and safety (as a german living in the US):

- transfer of money germany - US = for free, uses Pin AND Tan, electronic, 2-3 days
- transfer of money US - germany = 40 $ for each transaction, needs only a password I choose myself, wired, 7-8 days

-2009 direct deposit was advertised....lol...never had a paper check in my whole life before I came to the US...and sorry I do not believe that a paper check is safer then electronic

-identity theft, sorry not such a big problem in Europe as in the US, but to be fair, in general the Identification in europe is not based on drivers license, but I am not sure if the control mechanisms in Europe are actually a good thing (in regard of too much control)

Seriously, don't take me serious, I MEAN IT...seriously
Obsidian Dagger
Nitrus Nine
#24 - 2012-02-05 18:32:36 UTC
My bank normally ***** itself at Ebay, but never yet for EvE.

American Banking the the least secure around. Especially at ATMs and paypoints, thanks to the antique magnetic strip and signature technology still used over there. Chip and Pin the the EU has virtually eliminated paypoint and ATM fraud, only really online fraud is even possible now.

In America it's still as easy as cloning the strip on a credit card and doodling a wonky scribble on a reciept.

So, in the EU, online transactions are the LEAST secure payment method around, (compared to Chip and Pin), while in the USA, online transactions might be considered the most secure, because the other methods suuuuuck.

Hence a US bank flagging the EU as risky etc.

Interestingly, Visa and Mastercard are looking to force US providers to upgrade to chip and pin, because of the huge success it's been at reducing fraud in the EU! US providers don't WANT TO because of the added cost of replacing all those crappy old CC machines and ATM's.
Herping yourDerp
Tribal Liberation Force
Minmatar Republic
#25 - 2012-02-05 18:35:18 UTC
The Apostle wrote:
Wot I Think wrote:
So yes... I got a e-mail, text message, and phone call all simultaneously today, as I tried to buy a year-long subscription to EVE.

The Text Reads:
SUSPICIOUS TRANSACTION ACTIVITY, "EVE ONLINE " HALTED FOR #INTEGRITY1. CONTACT FOLLOWING.

After verifying half a dozen of tidbits of information with my bank, they determined that I am actually me, but they warned me that :

"Europe is a dangerous place for credit card users".

Certainly you EU folks have heard of credit cards?

Anyway, just wanted to tell ya, my personal, if alarming experience with trying to pay for EVE on a card.

EDIT: Just went through! yay!

Not sure about other countries laws but CC companies are liable for fraudulent activity where I am from - not the cardholder.

I've had a CC company contact me once over a large CC transaction to confirm I actually wanted it and I see this as a good way to keep "suspicious activity" off your card. It's in the banks best interests to do so.

Now if only mobile phone (cell) companies did the same when your bill goes more than double the norm. Oh wait. YOU are liable for that one 'ey? Figures.


in america you are only liable for $50 even if someone steals your card and buys a $2000 TV.
The Offerer
Doomheim
#26 - 2012-02-06 00:08:00 UTC
well, if you google "eve online scam" you'll get 1,280,000 results Lol
MadMuppet
Critical Mass Inc
#27 - 2012-02-06 00:19:32 UTC
Every month I get a call from the credit card company asking me to verify the charges I have for Eve. Its like they are in another country or something...

This message brought to you by Experience(tm). When common sense fails you, experience will come to the rescue. Experience(tm) from the makers of CONCORD.

"If you are part of the problem, you will be nerfed." -MadMuppet
Ris Dnalor
Tribal Liberation Force
Minmatar Republic
#28 - 2012-02-06 03:26:56 UTC
/emote dons tinfoil hat

I wonder what kind of lists we all get on whenever we regularly send money overseas...

/emote removes tinfoil hat

I've been called many times regarding my payments to ccp. One thing I find odd is that the description text for the charges is not always the same.

one time it was described as " a videogame arcade" there were other descriptions, at least 3,but I can't recall anymore what they were. Maybe that's part of the problem?

https://forums.eveonline.com/default.aspx?g=posts&t=118961

EvE = Everybody Vs. Everybody

  • Qolde
Zedrah
#29 - 2012-02-06 12:29:35 UTC
Its all blame redistribution.

Flagging anything they like as possible fraud means they can hopefully avoid paying out if it really is fraud.

Having chip and pin transactions means you must have told someone your pin number, or had it written on a bit of paper in your wallet when it was stolen (genuine bank accusation too).

Having Verified by Visa or Mastercard Securecode is just the same, means you must have let yourself be compromised and the bank can avoid liability.

And whilst its all spun as "customer protection", its just customer inconvenience and bank greed.
Jint Hikaru
OffWorld Exploration Inc
#30 - 2012-02-06 13:09:16 UTC
Obsidian Dagger wrote:
My bank normally ***** itself at Ebay, but never yet for EvE.

American Banking the the least secure around. Especially at ATMs and paypoints, thanks to the antique magnetic strip and signature technology still used over there. Chip and Pin the the EU has virtually eliminated paypoint and ATM fraud, only really online fraud is even possible now.

In America it's still as easy as cloning the strip on a credit card and doodling a wonky scribble on a reciept.

So, in the EU, online transactions are the LEAST secure payment method around, (compared to Chip and Pin), while in the USA, online transactions might be considered the most secure, because the other methods suuuuuck.

Hence a US bank flagging the EU as risky etc.

Interestingly, Visa and Mastercard are looking to force US providers to upgrade to chip and pin, because of the huge success it's been at reducing fraud in the EU! US providers don't WANT TO because of the added cost of replacing all those crappy old CC machines and ATM's.



Was just about to post exactly that....

The ease of using a credit card in the US is appauling. Just swipe it and doodle on a touch screen with a plastic pen and off you go. The security involved borders on negligent.

Jint Hikaru - Miner / Salvager / Explorer / SpaceBum In the beginning the Universe was created. This has made a lot of people very angry and been widely regarded as a bad move.
Othran
Route One
#31 - 2012-02-06 13:30:58 UTC
Ahahaha priceless Lol

I'd say that 75% of the time I've used a CC in the USA it is handed back to me before I sign.

The #1 country in the world for CC fraud is the USA. The reason for that is bloody obvious to anyone who isn't merkin.
Sasha Azala
Doomheim
#32 - 2012-02-06 13:51:43 UTC
Only time my credit card company would worry is if I spent a lot overseas.

You don't have to notify them that you will be out of the country using your credit card, but if you do it can save a lot of hassle.
Henry Haphorn
Killer Yankee
#33 - 2012-02-06 14:01:24 UTC
I never had problems with my bank. Not even a phone call. Although, I think it has more to do with the fact that I used a debit card rather than a credit card.

Adapt or Die
Jarnis McPieksu
Aliastra
Gallente Federation
#34 - 2012-02-06 14:21:05 UTC
Henry Haphorn wrote:
I never had problems with my bank. Not even a phone call. Although, I think it has more to do with the fact that I used a debit card rather than a credit card.


Of course.

Credit card, bank is on the hook for any disputed charge (they have to prove it was you).
Debit card, you are on the hook for any disputed charge (you have to prove it wasn't you... good luck with that)
Ad'Hakim Tahous
Science and Trade Institute
Caldari State
#35 - 2012-02-06 15:35:56 UTC
Wot I Think wrote:
So yes... I got a e-mail, text message, and phone call all simultaneously today, as I tried to buy a year-long subscription to EVE.

The Text Reads:
SUSPICIOUS TRANSACTION ACTIVITY, "EVE ONLINE " HALTED FOR #INTEGRITY1. CONTACT FOLLOWING.

After verifying half a dozen of tidbits of information with my bank, they determined that I am actually me, but they warned me that :

"Europe is a dangerous place for credit card users".

Certainly you EU folks have heard of credit cards?

Anyway, just wanted to tell ya, my personal, if alarming experience with trying to pay for EVE on a card.

EDIT: Just went through! yay!



Our apologies sir! Since you are active in European transactions, might you be interested in taking a position in Greek Sovereign Debt, from our Italian partners? All activity fully secured by our Nigerian clearinghouse.... hello? Sir, are you there?

It might be a bit of a PITA, true enuf.... but if you've ever been hammered by identity theft < ahem X > you may begin to look more kindly on these confirmation calls.

Fly fierce.
Serene Repose
#36 - 2012-02-06 15:39:36 UTC
I thought the EU was still trading goats for gametime.

We must accommodate the idiocracy.
Henry Haphorn
Killer Yankee
#37 - 2012-02-06 16:30:45 UTC  |  Edited by: Henry Haphorn
Jarnis McPieksu wrote:
Henry Haphorn wrote:
I never had problems with my bank. Not even a phone call. Although, I think it has more to do with the fact that I used a debit card rather than a credit card.


Of course.

Credit card, bank is on the hook for any disputed charge (they have to prove it was you).
Debit card, you are on the hook for any disputed charge (you have to prove it wasn't you... good luck with that)


It's not that hard, for my bank at least (BoA).

I had an unexpected charge from Microsoft for the Xbox Live account I still had (I forgot it was still active). So I told Microsoft to cancel the subscription and refund the charge amount. Thankfully I was still within the 30-day grace period. I then called my bank and told them that the charge was unauthorized and had them refund the overdraft fee they imposed on me. Pretty easy for me. Once the charged amounts have been refunded, I proceeded to remove my debit card information from my Xbox Live account and stuck with time cards since then.

EDIT:

PS: BoA also has a grace period for reporting unexpected charges.

Adapt or Die
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