Until they complete the upgrade and issue VBV or MSC numbers to all their cardholders, this could mean a temporary slowdown in the online growth rate. Currently, in India, banks are merely payment enablers - the risk arising from non-payment or fraud is borne by the merchant and not the customers, banks or card companies.
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Dec 02, 2013 · So, the transaction fails - because your bank does not approve it. But there is always a way out. Infact it's a very easy way. Here is what banks should do/Here is how it should be: 1) On an Indian merchant, ask for VbV/3DSC to complete the transaction. 2) On an International merchant, DON'T ask for VbV/3DSC to complete transaction.
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