Credit card frustrations
People keep telling me that cash is dead and we'll all be using credit cards to buy everything.
Well the way things seem to be going, that ain't gonna happen any time soon.
The reason... It's getting increasingly difficult to process credit card mail orders.
Let me explain the problem:
When we process a mail order we need these details:
- card number (plus expiry date and CV2 code from the back)
- the cards billing address
- the numbers in the billing address
- the numbers in the postcode of the billing address
joe bloggs, flat 9
7 any street
anytown, NW4
1AB
joe bloggs
flat 9, 7 any street
anytown
NW4 1AB
But in the first address the 9 is on the 'name' line so it doesn't count and the first part of the postcode is on the wrong line, so the 4 won't be part of the postcode numbers, but it will be in the address numbers.
So we'll type in: 97 and 14. But the machine want's: 74 and 1.
We call the customer and tell him that the address appears to be wrong (but we don't know why, just that it's wrong), he insists it's right (not surprisingly, he thinks he knows his own address!)
We can use a voice authorisation service, but this costs £3 each time, and it doesn't always help.
The only way to solve this problem is for the customer to phone his bank and ask them to check his address details AND that they match the details the card processing companies have.
So, if you order something from us and we call back asking all sorts of strange questions about your address, this is the reason....
.... Some keyboard monkey in a bank somewhere, charged with the job of copying addresses from one database to another, screwed up.
Sorry.