Is there a good reason to require people to id their credit card?

28 Sep 2009 - 4:02pm
4 years ago
7 replies
606 reads
Amy Jones
2009

Hi all,

Given that it's fairly easy to identify what kind of credit card someone
is using (Visa/MC/Discover/etc), is there a good reason to require
people to select the flavor they're using? I can imagine that people
might get confused if they're not asked, but I'm curious as to whether
there's any research for or against.

Amy Jones

Comments

28 Sep 2009 - 4:55pm
admin
2009

It's usually there as an anti-fraud measure.

If the card number says its a Visa and the user selects Amex, a lot of systems flag the transaction as potential fraud.

Several anti-fraud systems use factors like this to weight the trustworthyness of a transaction, which in turn can impact the liability of the company taking the payment...

Agreed though, it isn't really needed from a user's perspective.

28 Sep 2009 - 5:23pm
Jared M. Spool
2003

On Sep 28, 2009, at 5:02 PM, Amy Jones wrote:

> Given that it's fairly easy to identify what kind of credit card
> someone
> is using (Visa/MC/Discover/etc), is there a good reason to require
> people to select the flavor they're using? I can imagine that people
> might get confused if they're not asked, but I'm curious as to whether
> there's any research for or against.

If you're validating the card during the user session (processing it
for authorization or purchase), then no.

If you're validating the card after the user session, you might want
the extra check. A digit checksum would pick up a single digit error,
but the extra validation might be useful.

The other reason is if you don't carry all the popular cards. If you
only take Mastercard/Visa (because you don't accept Amex, probably
because of the escalated fees), then the selection helps the user
realize you don't take their preferred card.

Jared

Jared M. Spool
User Interface Engineering
510 Turnpike St., Suite 102, North Andover, MA 01845
e: jspool at uie.com p: +1 978 327 5561
http://uie.com Blog: http://uie.com/brainsparks Twitter: @jmspool

28 Sep 2009 - 5:19pm
Jan Benway
2009

As long as it is clear which cards are accepted, no. It could be annoying to
type in the number of an Amex card only to find out after the fact that Amex
isn't taken though.

On Mon, Sep 28, 2009 at 2:02 PM, Amy Jones <ajones at convio.com> wrote:

> Hi all,
>
> Given that it's fairly easy to identify what kind of credit card someone
> is using (Visa/MC/Discover/etc), is there a good reason to require
> people to select the flavor they're using? I can imagine that people
> might get confused if they're not asked, but I'm curious as to whether
> there's any research for or against.
>
> Amy Jones
> ________________________________________________________________
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28 Sep 2009 - 7:54pm
Matt Fisher
2009

I've wondered this too. As far as I know it's just the first number
(typically 3, 4, or 5) that indicates card type. All I can guess is
it's an additional safeguard that the card is legitimate. I notice
that I'm always asked this question when using my card over the phone
- perhaps it's assumed that criminals don't know that cards beginning
with 4 are always Visa?

Sent from my iPhone

On Sep 28, 2009, at 2:02 PM, Amy Jones <ajones at convio.com> wrote:

> Hi all,
>
> Given that it's fairly easy to identify what kind of credit card
> someone
> is using (Visa/MC/Discover/etc), is there a good reason to require
> people to select the flavor they're using? I can imagine that people
> might get confused if they're not asked, but I'm curious as to whether
> there's any research for or against.
>
> Amy Jones
>
>
> ________________________________________________________________
> Reply to this thread at ixda.org
> http://www.ixda.org/discuss?post=46138
>
> ________________________________________________________________
> Welcome to the Interaction Design Association (IxDA)!
> To post to this list ....... discuss at ixda.org
> Unsubscribe ................ http://www.ixda.org/unsubscribe
> List Guidelines ............ http://www.ixda.org/guidelines
> List Help .................. http://www.ixda.org/help

29 Sep 2009 - 3:01am
Uidude
2009

>From my experience, I have seen forms that first ask only for the card
number. They do not ask for the card type or bank, where a user would
select from a drop down or such. It is only the card number that is
required from the user and on submitting the form, after processing,
the bank logo or that associated with the card appears that mean a
branding element giving assurance for the user (card holder) that
everything is proceeding very well.

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Posted from the new ixda.org
http://www.ixda.org/discuss?post=46138

12 Apr 2010 - 1:19am
Trevor_D
2010

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12 Apr 2010 - 7:49am
socialamigo
2010

I have always lobbied for less is more - simply identifying in the form with the icons of the credit card which ones are allowed should be enough - getting programmers to change the slabs of code they like to bang into a solution over and over again to conserve time for truly custom code work (in my experience) is the more difficult task, like using a form template again and again that includes the "Marshall Islands" in the drop-down menu for country.

It's sometimes hard to generate a lot of interest (and project time) to devote to these UX issues when there are often so many more pressing issues and launch dates loom, but getting UX and proper back-end admin right, and minimizing the amount of error messaging needed does require a balancing act be done for good conversions.

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