[brianmiddleton]

I move to random corners of the world every 2-3 years and this is starting to give me real anxiety every time I try to make a purchase. One of my credit cards makes me jump through all of the verification and "Was this really you?" messages, then still locks my account half the time.

So many online stores will approve my purchase and bill the card with no issue, then cancel it a few hours later for vague security reasons. I remember when the credit card companies ran commercials about how easy and secure credit cards are, especially compared to checks, but now I feel like a criminal every time I try to use mine. I wonder if this violates any part of the merchant agreement that these stores are getting a 100% valid authorization on my credit card, but still aren't willing to accept my payment.

[giardini]

I found that notifying my providers of upcoming moves eliminates this. Call them, tell them what you're doing and ask their advice (b/c there may be something you overlooked or they may have special problems of their own).

Anyway, they're doing you a service and notifying them is good etiquette. And like good etiquette, it often greases the wheels of commerce.

[crdrost]

Note that this is about large tech service providers “taking this into their own hands.” The basic problem is that a lot of these companies deal with people who store their card information and then use an insecure password or so, or reuse the password at a different website... Someone else gets into the account and requests a transaction to a new address.

Also fun story about how your advice doesn't always work, I was locked out from my money multiple times on my honeymoon in Greece despite repeated calls to the bank, repeated unlockings of said account, “hi I am actually standing at an ATM in this bank branch, can we track this account lockup in real time?”... I think with all of the time on hold I actually might have spent something like 20+ hours in the trip trying to debug it over the several times it happened.

When we finally resolved it, I'm not 100% sure about the explanation, but it was something like “the person you called a week ago put in country code GE for Georgia rather than GR for Greece, and that is the first place everybody else who has serviced your request has probably looked, but they all probably thought GE was right because you have to memorize that DE is Germany and so people get confused real easily...”

[brianmiddleton]

That does help a bit with the banks, but I've not had any luck at all with the stores who cancel my orders after the payment goes through. They refuse to budge, assuming I even get a response, and won't give me any information about why my orders are cancelled, citing more vague security reasons.

I did have success with a privacy.com card once, at a store that cancelled orders from all of my other cards. I'm guessing they see it as a prepaid card and can't get as much info on those.

[another-dave]

When I worked at a bank, I heard that the travel notifications weren't actually used by the fraud department at all and were just there as window dressing to make the customer feel better.

[tanseydavid]

Having to contact the provider to spend one's own money is simply outrageous.

And yet, I also have started to make preemptive contact with them to avoid the complete hassle of having the card blocked for fraud that is NOT fraud.

[nonsense123]

> I found that notifying my providers of upcoming moves eliminates this.

you seem to be older. I used this too. Until 5 or so years ago. Now my bank just says i "don't have to notify them anymore as they don't have this in the system, since it is all automated for my convenience"

[neilparikh]

When I was traveling abroad, I placed an order on Walmart, shipping to my home address, so that it would be there for me when I got back home. Walmart cancelled the order, "due to location restrictions on placing and shipping orders", even though the delivery address was in the US! I have no idea why the physical location of the computer placing the order should matter to Walmart. Eventually I just had to get my friend order for me.

[pshirshov]

A tailscale node on your AppleTV at home will fix the issue for you.

[jeromegv]

Shopify does use the IP location distance Vs shipping address as a risk factor for fraud. I see it often on my Shopify stores where they will flag an order as high risk for that reason.

Same thing if someone used a VPN.

[jrockway]

I don't know how the numbers break down, but plenty of people that buy credit card numbers are happy to orchestrate a scheme to ship packages to the US and have someone forward them to the scammer. Or steal them off your porch.

It is probably exceptionally rare for a fraud protection algorithm to be in place to inconvenience and spite you. Rather, some ne'er-do-well has cooked up a bafflingly complicated scheme that looks like your legitimate business. Such is the tragedy of operating at scale.

[vertis]

Highly recommend: https://wise.com

[InvaderFizz]

I've had the best luck sticking to ApplePay, PayPal as the backup, and finally my CC (the Apple Pay one).

I can't think of a payment hurdle for online purchases that I haven't been able to overcome in the past year or two while spending 99% of my time OCONUS.

[qup]

Have you tried the temporary/virtual card numbers?

(I have no idea if they would work, I'm just curious)

[DANmode]

Name and shame so we can avoid if we choose?