4 ms·

You are looking for "3D Secure"; in Europe, it is required by regulation for all non-recurring online payments over 30 euros.

• theandrewbailey 4y ago
  (USA resident here) I've made several high value purchases ($100+) online without getting an additional 3D secure prompt. However, my credit union is rather liberal in locking my card for what they think are suspicious transactions. It's a text or call to customer service to unlock (where they verify recent transactions), but I'd rather enter a password more often than have my card randomly locked.
  • xyzzy_plugh 4y ago
    Actually it's possible you did get a 3D Secure prompt, but many US banks don't do anything with it and just instantly redirect back with authorization. It's impressive how far behind US financial institutes are.
    • theandrewbailey 4y ago
      I've been with the same bank for years, and I will occasionally get one (once or twice per year). I shop on the same sites, too.