[AkThhhpppt]

Counterpoint: the only businesses that force VbV etc. I will deal with are airlines (because they all do), which meant the last time I flew transatlantic I took 800 euro out of my bank account and _walked_ to Air France's bank rather than use it. In _any_ other industry? They've just given my business to a competitor.

It is not in my interest to use a service _designed_ to lessen my protection from fraud.

(see http://www.lightbluetouchpaper.org/2010/01/26/how-online-car...)

[jasonlotito]

I know it's been a few days, but, just wanted to add that this is a good point, and a part of what I meant with not using VbV lightly. There are valid reasons to use it, but frankly, it should be close to the last thing you implement.

The only times I've used it where when offering a b2b product/service where fraud was a real fraud.