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? ? ?I just discovered a wrinkle that I’ve mentioned before. A few weeks ago, I renewed a third party software subscription (I don’t think the publisher matters). This morning, I received three virtually simultaneous messages, one from the publisher, and two in my message app from Apple Wallet, telling me that two transactions for the same amount were declined.
I think (even AFTER a live discussion with a person working on the Apple Card at Goldman Sachs, that the reason for decline was PROBABLY that my 3 digit identifier for the card had rolled to a new number, so that not everything matched with the 3rd party software publisher. Goldman Sachs staffers told me that as long as transactions were on my iCloud Subscriptions list (including zero interest over time) payments with Apple, they’d go through, but that unless I wanted to give up the security of the periodically changing 3 digit code, I should not use my Apple Wallet to make online recurring payment purchases with 3rd party merchants. I’m curious how other ‘listas have handled that.
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Are you speaking of the, I believe the 3-digit card is sometimes called a CVC?
If the bank changes it, don’t they notify you? So, update your payment info on the third party software site. Under normal circumstances, this should only happen every one or two years.?
Why did the software site attempt to charge you multiple times? Most vendors try once, then either notify you, or let the software stop working.?
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On Nov 19, 2023, at 08:30, jimrobertson via groups.io <jimrobertson@...> wrote:
? ? ? ?I just discovered a wrinkle that I’ve mentioned before. A few weeks ago, I renewed a third party software subscription (I don’t think the publisher matters). This morning, I received three virtually simultaneous messages, one from the publisher, and two in my message app from Apple Wallet, telling me that two transactions for the same amount were declined.
I think (even AFTER a live discussion with a person working on the Apple Card at Goldman Sachs, that the reason for decline was PROBABLY that my 3 digit identifier for the card had rolled to a new number, so that not everything matched with the 3rd party software publisher. Goldman Sachs staffers told me that as long as transactions were on my iCloud Subscriptions list (including zero interest over time) payments with Apple, they’d go through, but that unless I wanted to give up the security of the periodically changing 3 digit code, I should not use my Apple Wallet to make online recurring payment purchases with 3rd party merchants. I’m curious how other ‘listas have handled that.
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On Nov 19, 2023, at 1:10 PM, Brent via groups.io <whodo678@...> wrote:
I believe the 3-digit card is sometimes called a CVC?
Yes, that’s the number I mentioned. It’s one of Goldman Sachs’s “optional features in the Apple Wallet “digital” card. The recurrently changing CVC provides extra security extra security, but Goldman Sachs does NOT notify Apple Card physical and virtual card holders of such changes. The physical card is what Apple calls the “Titanium” card, and I don’t think its CVC changes. If the electronic CVC has changed, payment will be declined by the bank. Goldman Sachs will permit customers to choose to keep a non-changing CVC, but they suggest the changing variety for the added security. Goldman Sachs’s partnership with Apple results in subscriptions automatically renewing using the Apple card and listed on iCloud continuing to renew even if the CVC changes, but third party continuing payments; e.g., for utility payments, etc., would be declined after one of those changes.
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Jim Robertson
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Jim Robertson wrote: ?I just discovered a wrinkle that I’ve mentioned before. A few weeks ago, I renewed a third party software subscription (I don’t think the publisher matters). This morning, I received three virtually simultaneous messages, one from the publisher, and two in my message app from Apple Wallet, telling me that two transactions for the same amount were declined.
I think (even AFTER a live discussion with a person working on the Apple Card at Goldman Sachs, that the reason for decline was PROBABLY that my 3 digit identifier for the card had rolled to a new number, so that not everything matched with the 3rd party software publisher. Goldman Sachs staffers told me that as long as transactions were on my iCloud
Subscriptions list (including zero interest over time) payments with Apple, they’d go through, but that unless I wanted to give up the security of the periodically changing 3 digit code, I should not use my Apple Wallet to make online recurring payment purchases with 3rd party merchants. I’m curious how other ‘listas have handled that.
Historically, the CVC code remained unchanged until the old card expired, and the bank sent you a replacement card.
A few months ago, Apple instituted a dynamic CVC cadence for the Apple Card.
If you use the Apple Card via the wallet on your iPhone, the app supplies whatever CVC code is current for the card.
If you use your Apple Card by any *other* means – filling in a form on a website, or swiping the physical card in a reader, you will have to check what the current CVC code is (look it up in the wallet app) and provide that one.
jimdoc@...
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Ah, I see my misunderstanding. Apple and their redundancy or names that are too similar that people get confused.?
You wrote Apple _Card_, I thought Apple _Pay_. Then there is Apple _Cash_.
I believe ApplePay uses unique numbers for each purchase, but when asked for a CVC, you give the associated CVC.?
But with Apple Card, Goldman Sachs changes the CVC , but notifies no one. What is wrong with that picture? I’d call them again. Then have them walk you through it again, then explain the problem with that. Or change to where you call them to request a CVC change.?
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On Nov 19, 2023, at 13:42, jimrobertson via groups.io <jimrobertson@...> wrote:
? On Nov 19, 2023, at 1:10 PM, Brent via groups.io <whodo678@...> wrote:
I believe the 3-digit card is sometimes called a CVC?
Yes, that’s the number I mentioned. It’s one of Goldman Sachs’s “optional features in the Apple Wallet “digital” card. The recurrently changing CVC provides extra security extra security, but Goldman Sachs does NOT notify Apple Card physical and virtual card holders of such changes. The physical card is what Apple calls the “Titanium” card, and I don’t think its CVC changes. If the electronic CVC has changed, payment will be declined by the bank. Goldman Sachs will permit customers to choose to keep a non-changing CVC, but they suggest the changing variety for the added security. Goldman Sachs’s partnership with Apple results in subscriptions automatically renewing using the Apple card and listed on iCloud continuing to renew even if the CVC changes, but third party continuing payments; e.g., for utility payments, etc., would be declined after one of those changes.
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Jim Robertson
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On Nov 19, 2023, at 15:19, Jim Saklad via groups.io <jimdoc@...> wrote:
If you use your Apple Card by any *other* means – filling in a form on a website, or swiping the physical card in a reader, you will have to check what the current CVC code is (look it up in the wallet app) and provide that one. How do you look up the CVC in Wallet? Or does it only work with the Apple Card? Brent On my iPhone Xr
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If you use your Apple Card by any *other* means – filling in a form on a website, or swiping the physical card in a reader, you will have to check what the current CVC code is (look it up in the wallet app) and provide that one. How do you look up the CVC in Wallet? Or does it only work with the Apple Card?
Select the Apple Card in the wallet app. Tap on the card icon at the top with the 123 on it. It will list the various numbers, including the current CVC.
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On Nov 19, 2023, at 19:38, Brent via groups.io <whodo678@...> wrote:
How do you look up the CVC in Wallet? Or does it only work with the Apple Card?
It’s a3chacter field in the card info. What’s perhaps unique and st least unusual is that Goldman Sachs can change the number without changing the physical card. As I mentioned previously, when the bank does that, the change appears seamlessly in the Customer’s wallet app, so remains valid for contactless payments using the app but WON’T be useful for recurring third party purposes until or unless the customer updates the CVC
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On Nov 19, 2023, at 11:09 PM, jimrobertson via groups.io <jimrobertson@...> wrote:
It’s a3chacter [read “a 3-character] field in the card info.
and
but WON’T be useful for recurring third party purposes [read “purchases”] Two examples of the painful interaction between a sand-embedded “Magic” keyboard and Apple’s “predictive” spell assassin.
One more go with a powerful vacuum and perhaps some non-conductive solvent today, and if things are no better, time for a new keyboard…
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Jim Robertson
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Brent
Jim Saklad
