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The prevalence of payments by card on American websites is often making me nervous. At least several websites know my card numbers, such as Amazon, Microsoft an
by skocznymroczny 5y ago
The prevalence of payments by card on American websites is often making me nervous. At least several websites know my card numbers, such as Amazon, Microsoft and Unity Asset Store, and they are able to make payments without my permission at any time. In Poland, paying by card is rare, and websites don't need to save your card details. Most payments are done through payment processors who send a payment request to the bank and have the bank website do the authentication part, usually through SMS or bank mobile app. So there isn't really an option to make a payment without your permission.
- ojosilva 5y agoCredit card companies also have this capability. Mine in particular sends an SMS with a confirmation link that requires a password for online transactions. But certain types of CC transactions, such as subscription charges, typically occur in the background, when the user may not be available. There aren't a lot of confirmation schemes in place for that, you'd need a plain manual transfer or "push" mode for subscriptions without a CC or bank account on record.