Quote:
Originally Posted by Halk
All I can think of is in this case is that B&H are assuming that if the card is UK registered and the address in Spain that the customer simply has to be a fraudster so they aren't too concerned about his experience.
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Thank you for your thoughtful post. In fact B&H specifically does NOT assume anything at all, and I think it's apparent from my continued participation in this thread we're quite concerned.
We excersize prudence and caution for a number of reasons, particularly with so-called card-absent transactions and most particularly with international transactions where the retailer has almost no protection if it is victimized by fraud. We have an ethical obligation to our customers and a contractual obligation to our merchant banks to deter credit card fraud and identity theft. Part of this effort is a set of rules designed to make shopping here as simple and straightforward and safe as possible for as many customers as possible while simultaneously protecting ourselves and our customers from the scourge of credit card fraud and identity theft. Our rules for holders of non-USA credit cards are designed to balance these two aims -- ease of shopping and safety -- as ably as possible. But, when forced to choose between ease and safety, we feel it wise to lean towards the latter.
Is the system perfect? It is not. We examine it frequently and modify it as often as we're able to do so. Our new international business initiatives team has a particular interest in this and as we progress we hope to be able to make the ease of shopping part greater without compromising the safety aspects at all.