XILO Ltd. : Blog

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Our blog includes company news, recent announcements and upcoming service changes.

Credit and Debit card payment changes.

In the coming week, we will be making some small changes to the way that certain credit and debit card payments are handled.

We have been working with our merchant service provider on a way to continue to accept Maestro debit cards for recurring transactions. Many providers, not only those offering hosting services but telephony, internet and even subscription services have stopped offering recurring payments on certain types of cards, some have even gone to removing debit card payment options completely.

Under new rules announced by Mastercard last year, the recurring payment facility on Maestro debit cards would no longer be possible and that each and every transaction would need to be validated by their 3D Secure service.

Whilst this is not an issue for the first transaction on such debit card as the user would be present and have the ability to interact with the on-screen authentication, it would make automatic recurring payments impossible as there would be no 3D Secure interaction and as such, the transaction would be declined.

We refused to accept that over 60% of our customers who use debit cards to fund their accounts and make their monthly payments would need to either obtain a credit card or pay via another manual method such as PayPal, both of which would be huge inconveniences.

After working tirelessly with our merchant service provider, liaising with APACS and other third parties, we are pleased to report that we will be able to offer full recurring payments on all card types (Visa, Visa Debit, Visa Electron, Mastercard, Maestro, Solo, JCB and Amex).

Customers are not required to make any changes to their accounts and payments will continue as normal. We will still require the address on your account with us to match that registered at your bank and, if requested, to enter your password as part of the 3DSecure or VbV for a transaction to be authorised.

The ability to change a card will no longer be possible without payment of an invoice due to the new requirements of authenticating a new card used on an account for the first time (entering your 3DSecure or VbV PIN number if requested).