> users need to give free access to their credit card for payment, at the promise that the other party will play nice This is something I only encounter with A

> users need to give free access to their credit card for payment, at the promise that the other party will play nice This is something I only encounter with American companies/sites/processors. When I shop or pay online locally, 3-D Secure is always required. It's kinda appalling how much of the web/online experience is negatively impacted by US norms.