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General discussionNew authentication protocol for card payments(296 posts)(296 posts)
(296 posts)
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This is my favourite topic
Posted September 13, 2019
UPDATE: We've temporarily disabled the 3-D Secure authentication protocol as the implementation of new regulations has been delayed in some countries and not all banks yet support it. This way you shouldn't experience any inconveniences during debit and credit card payments.

We'd like to inform you that since today all card payments made in the GOG.COM store will be subject to a new 3-D Secure authentication protocol.

3-D Secure authentication requires additional confirmation of the transaction via your Bank's website or mobile app to prevent fraud in online credit and debit card payments. Thanks to this additional security measure, your personal data and money will be even safer than before.

In case of issues with completing your purchases with cards, please contact our Support team.
Posted September 13, 2019
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tinyE: I just hope GOG realizes that, while this worked for me, this time, not everyone has a mobile phone, and this could really end up fucking them in the future.

I'm not about about to pack up everything I own and move just so I can purchase Fallout. :P
You wrong. How EXACTLY 3DI is performed is up to your bank, GOG have no control here. There is many ways, like static password, codes sent via SMS, codes printed on card and so on, its BANK who decides actual way. The thing, however, is that i never ever seen #DI to be implemented other then SMS.
Posted September 13, 2019
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Ancient-Red-Dragon: That's PR spin. Your money is safe anyway, because if fraud is committed with your card, then you as the cardholder are not liable for that fraud, and you don't have to pay any of the money for debts on your card that were added via other people committing fraudulent transactions.

It stands to reason that GOG is doing this because lots of people have been defrauding them and causing them to lose money.
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LynetteC: I think it's more likely to do with legislation rather than GOG just arbitrarily making changes but I don't see that it will be any different from any major online shopping sites. If you can shop online elsewhere using your card, you should still be able to shop here. Or link your card to PayPal and let them do the security checks.

Seriously though, why are people complaining about GOG trying to protect their bank accounts?
Because while this comes as a legal obligation, banks are often obnoxious when implementing 2FA measures. See my post above how my bank implemented SMS-only auth for wiring money online - I highly doubt they're going to reimplement password lists so it follows online card payments will now also force me to use their garbage delayed SMS confirmation - at this point I might as well stop using the card entirely or simply look elsewhere. It's annoying (but not exactly GOG's fault)
Posted September 13, 2019
low rated
nvm.
Post edited September 13, 2019 by Tauto
Posted September 13, 2019
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tinyE: Wait, why all of a sudden are there three well dressed guys carrying baseball bats standing outside my front door?
dunno :D i told the ones at my door they must be mistaken and might have taken the wrong turn and should probably be elsewhere ٩◔‿◔۶
Posted September 13, 2019
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Zoidberg: Doesn't change anything for paypal, right?
The change is being made for debit and credit cards to abide with latest EU legislation. Authentication process depends from your Bank.

It doesn't affect the way other payment methods, like PayPal or Paysafecard, works.
Post edited September 13, 2019 by emter_pl
Posted September 13, 2019
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GOG.com: Thanks to this additional security measure, your personal data and money will be even safer than before.
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Ancient-Red-Dragon: That's PR spin. Your money is safe anyway, because if fraud is committed with your card, then you as the cardholder are not liable for that fraud, and you don't have to pay any of the money for debts on your card that were added via other people committing fraudulent transactions.

It stands to reason that GOG is doing this because lots of people have been defrauding them and causing them to lose money.
Your money is not safe. Online purchases use a CVV, which is plainly visible at the back of your card. Any teller can use this to make an online purchase.
"But I'm still not liable because it's not my fault!" - You are, and it is. Banks expect you to keep your information safe because they certainly can't be held liable for you posting a photo of your ATM card as so many people have done.

This is a relatively new thing (went live last year and online merchants are catching up one by one. It's provided by VISA (and I assume other card manufacturers) and everyone's happy because it's effective. You know about 2-step authentication, right? All the cool kids - Facebook, Twitter, Google, etc. are using it. This is precisely that, but for your money. You'd think that would be higher on the list of priorities.

Source: Work at a digital channels department in a bank.
Posted September 13, 2019
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Reglisse: Can I pay via Paypal without the need to install a shitty app?
I know that is a new regulation against fraud but the next step is confirmation/validation via biometry.
So...nope!
Tired of all those breach to my privacy/way of life.
I don't want to be forced to use a phone /:
dont have a phone that can verify just a simple phone no gadgets no apping just a plain phone to call someone
٩◔‿◔۶
Posted September 13, 2019
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wolfsite: I don't like online banking or mobile banking as I don't feel they are secure enough (the past year has proven this with all the banks that have been compromised).

GOG please keep buying games simple, the more steps you add the more you are going to scare your customers away.
Its easy, you can add some money in wallet with one big fat secure transaction and then pay from wallet without any codes.


Anyway, i kinda amazed how EU folks is freaked by 3DI. Again, here, in Russia 3Di is not just norm, peoples gets kinda suspicious when transaction go without it.
Posted September 13, 2019
I have to literally call my bank, wait for them to Identify me, explain what's going on. Wait 3 to 5 minutes and then I finally am deemed OK to make a effing purchase...Thanks for the new system GOG -.-
NOT A FAN!
Posted September 13, 2019
low rated
Is there any way I can blame this on SJWs and snowflake leftist propaganda? :P

Just checking.


and on that note, I need to go drive 360 miles for a dental appointment. :P
See you in seven or so hours, unless I'm banned, in which case, my PM is always open. :D
Post edited September 13, 2019 by tinyE
Posted September 13, 2019
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LexRust: After initial card confirmation (CVV/CVC, etc), there will be an extra step, which will depend solely on how your bank confirms such transactions.

It can be a bank page with a code confirmation, which will be sent to your mobile phone, or banking app confirmation. Some banks provide password cards for example.
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tinyE: So basically, I have to got get all of my games at Steam now?
I DON'T HAVE A MOBILE PHONE! I DON'T HAVE APPS.
This doesn't require any apps. You can have a Nokia 3310 and still use this because it works via SMS. And if you have literally no mobile phone, you can still use email.

Pretty sure Steam is going to implement this soon too, if they haven't already.
Posted September 13, 2019
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fizzywiz: I have to literally call my bank, wait for them to Identify me, explain what's going on. Wait 3 to 5 minutes and then I finally am deemed OK to make a effing purchase...Thanks for the new system GOG -.-
NOT A FAN!
In that case you have one crappy outdaten bank, pal. Because the way you explain is kinda WTF, its not how its supposed to be.
Posted September 13, 2019
low rated
OOPS wait

sorry madjarov

my bad
Post edited September 13, 2019 by tinyE
Posted September 13, 2019
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Zoidberg: Doesn't change anything for paypal, right?
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emter_pl: The change is being made for debit and credit cards to abide with latest EU legislation. Authentication process depends from your Bank.

It doesn't affect the way other payment methods, like PayPal or Paysafecard, works.
ah EU legislation that explains everything ..... EU = one size fits all

Anyway i loved the Buck Rogers movie and series and how they always had trouble with the Draconians
and their Draconian law ..... they wanted to control the universe , now this was only a series so it was entertaining
when it becomes a reality its a totally different ball game.
Posted September 13, 2019
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Braggadar: And that likely will be the end of my purchases here a least in the short/medium term.
My card was a prepaid Visa credit card which separates the card holder from the bank holding the funds itself. I have no idea whether they have implemented a SMS system tie in for code confirmation, though my mobile is tied to the card for other purposes.

¯\_(ツ)_/¯

Never had an issue using it here before, every purchase was authorised properly, but now I have to dive into the muck again and try to see if they support 3-D. Such is the nature of changing payment systems I suppose, but it does mean no $$$ from me for a while.

EDIT: Checked my PDS. No mention of such things like VerifiedbyVisa, although its "successor" available for purchase and (a MasterCard variant) does offer SecureCode as standard. I WON'T be making the switch though until next year. Sorry GOG, no Xmas transactions this year.
If your bank does not support 3D Secure, then you will not be required to use it. I work at a bank and we just put everyone on this system without their knowledge, by using their already-existing contact details. If your mobile is "tied to your card for other purposes" (hmmm) as you say, it's likely you're in this boat too. So, no reason to avoid those juicy Xmas specials. Except of course budget and time.
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This is my favourite topic
Community
General discussionNew authentication protocol for card payments(296 posts)(296 posts)
(296 posts)