It's been some time I've worked with web payments (back in 2003 or so when 3DSecure/UCAF was new which would bring up your card issuer's site in an iframe withi

It's been some time I've worked with web payments (back in 2003 or so when 3DSecure/UCAF was new which would bring up your card issuer's site in an iframe within your shop site, which still looked fishy), but I've always thought a payment infrastructure/comprehensive standard should be mandated by government, on similar legal grounds that a currency is issued in the first place, and for protecting access to the market (the EU already puts strong and maybe disproportionate reporting duties due to MiFid/MiFid2 for deposits, with unclear benefits). Though I'm not very sure, as a payment provider has to do costly things for fraud/money laundering/deposit protection.