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123RF Verification on Credit Purchase

123RF

Disclaimer: This review is based on my personal experience. 123RF did not request me to write this article and I’m not endorsed or paid for making this review.

Today, I just decided to purchase some credits under my account at 123RF.com since I need to get some images from there. After creating an account, I simply made a purchase. It was a simple process. When I made the my purchase, I was connected to my office VPN. So, I was detected in Singapore while I was physically in Yogyakarta, Indonesia.

I filled in all billing information. I have been making lots of transactions using my credit cards, and I had most of them succeeded.

When I hit the purchase button, I got a notification saying that a verification process was needed and it would be by calling my phone number. I waited for the next few minutes. But, I didn’t get any phone call (on my mobile number).

So, I decided to contact 123RF from its Live Chat feature. So, I provided the customer service staff with my invoice number and some basic information about my order and account. The customer service staff informed me to make verification process based on the instruction sent to my email. She also requested my mobile number again and I gave her my numbers.

I replied the email with the information about my full name, bank account information, and my home address. I provided all the information based on my credit card information. No credit card number of verification number provided during this process.

In the next few seconds, I got a phone call from 123RF. She introduced herself as Jessica from 123RF, and she was using Bahasa Indonesia. She asked me for some details about my order and the situation that I made an order  from Singapore (while my address is in Yogyakarta, Indonesia). Of course, I was more than happy to give the best answer. Then, she told me that she would be back to work on my order.

After few minutes, I got another call from her telling that the credit was already under my account. I checked directly by refreshing my browser, and the credit was there.

Overall, I had a good experience on my first credit order. I know that each companies — when it comes to payment or security — has its own standard of the payment or security. 123RF has its own verification process. Based on my experience just now, 123RF made the verification simple enough.

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Paypal's Credit Card Verification

When I had my credit card for the first time, the first thing I did was adding it to my Paypal account. After having my credit card verified (linked) to Paypal, I never touch it again. But, recently I just realised that my credit card was no longer valid. I lost it few months ago, and I got a replacement.
I never had problem with my Paypal account and my credit card. Yes, my Visa card could not be used for transaction few months ago, but that didn’t involve Paypal. So, I decided to add a new credit card. In my previous verification, I waited for the credit card billing statement to get my Paypal verification. If you’re not familiar with Paypal, when you verify your card, Paypal will take $1.95 USD from your credit card. But, it will be returned to your Paypal balance once you have your credit card verified.
Rather than waiting for the credit card billing statement from the bank — you should see transaction detail there — to see the verification code, you can see the transaction detail directly from your transaction history in your bank account. My Visa card is issued by Bank BCA, anyway. I simply logged in to my internet banking account, see the credit card transaction history, and found the 4-digit verification code there.
After that, I just need to login to my Paypal account provide the verification code. Easy.

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Solved: Apple's App Store Purchase Using Visa

Last week, I got problem with my purchase at Apple’s App Store. I didn’t tried to purchased any paid apps after that. Today, I tried to purchase something on my iPad. I was curious whether this problem had been sorted or not. And, it’s back to normal now. Fixed!

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Apple's App Store: Your payment method was declined.

Few days ago, I heard that some friends complained about their Apple ID. It had something to do with payment/billing info. I told them that I had my account work without any issues. I also joined some discussion groups, and one of them were also discussing about this. Mine was working great. But, not until today, when I decided to purchase something from my iPad.
I’m using Visa.
My last transaction was made on my iPad on October 31, 2012. It went as I expected. So, it had been a week since my last purchase. I use the same billing details since I purchased my first app for my devices (MacBook Pro, iPhone 4, and New iPad).
Payment Declined
After asking for confirmations from other friends, they’re all using Visa. I also searched for more details, the problem was solved after changing the credit card to Master Card. I’m not lucky for this since I only have Visa right now. I am sure that I have no problem with my card. After my last purchase, I still make transaction using it.
There’s also a long discussion on this issue at Apple Support Communities, and it seems that Visa users only need to wait to get the problem sorted. Too bad.