Epic FAIL
I hate the VbyV thing... very early on I worked out how to bypass it. It's still time consuming, but works 99% of the time:
Simply enter your CCV and DOB on the first dialog as requested, on dialog #2 where it announces IT'S choice for YOUR username, and asks you for a password, simply click on the little 'cancel' link at the bottom. This cancelling is never forwarded to the vender, and your transaction will go through as normal. I do this all the time, and have only had it fail once. It's still very annoying, but at least I'm not giving yet another database my card and other personal details.
Also, I've noticed that some card companies issue the 2nd cardholder a clone of the primary cardholders card, complete with identical numbers - this screws up VbyV and Mastercards Secure thingy, as you are effectively asked to create a joint username and password system - something that is explicitly prohibited in the T&Cs of the card agreement. ;)
Biting the hand that feeds IT
