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> I have a debit card from an EU bank. It's barely usable because every time I need to make a purchase, it has to go through 3DS and 50/50 the transaction gets

> I have a debit card from an EU bank. It's barely usable because every time I need to make a purchase, it has to go through 3DS and 50/50 the transaction gets rejected I have 2 debit cards and two credit cards from UK banks, and my partner has the same. I genuinely don't think I've ever had 3DS reject a transaction for either of us. > a fully dysfunctional system and yet somehow it has become solid because a "less" secure one has lost some people some money. No, it's solid because of legislation. Improving the technical details doesn't help the situation, as most of the issues are legislative.

josu 3y ago
>I have 2 debit cards and two credit cards from UK banks, and my partner has the same. I genuinely don't think I've ever had 3DS reject a transaction for either of us. I get a 50/50 rate with local businesses in Mexico when paying online with European cards. I don't even bother with foreign cards for local government portals, the success rate is close to 0% when paying online. Also, many payments have to be authenticated with a SMS, which is sent to my European number. Thankfully some banks allow to add a US Google Voice number. I'm talking about normal banks, fintech banks, such as Revolut, are actually pretty good. But I still can't pay the water bill with it.
- maccard 3y ago
  Reading between the lines a little bit here, it sounds like you're a digital nomad of sorts, with an EU bank account, and are attempting to pay "household bills" in a foreign country using details that don't quite add up. If so, surely you can see that you are likely to be an absolute outlier and how your behaviour is likely almost indecipherable from actual fraud, unless you tell your bank your not actually living in the country (at which point presumably they close your account which is why you're doing this in the first place). > I'm talking about normal banks, fintech banks, such as Revolut, are actually pretty good. My bank accounts are NatWest and starling and CC's are Amex and NatWest - pretty traditional.

josu 3y ago

>I have 2 debit cards and two credit cards from UK banks, and my partner has the same. I genuinely don't think I've ever had 3DS reject a transaction for either of us. I get a 50/50 rate with local businesses in Mexico when paying online with European cards. I don't even bother with foreign cards for local government portals, the success rate is close to 0% when paying online. Also, many payments have to be authenticated with a SMS, which is sent to my European number. Thankfully some banks allow to add a US Google Voice number. I'm talking about normal banks, fintech banks, such as Revolut, are actually pretty good. But I still can't pay the water bill with it.

maccard 3y ago
Reading between the lines a little bit here, it sounds like you're a digital nomad of sorts, with an EU bank account, and are attempting to pay "household bills" in a foreign country using details that don't quite add up. If so, surely you can see that you are likely to be an absolute outlier and how your behaviour is likely almost indecipherable from actual fraud, unless you tell your bank your not actually living in the country (at which point presumably they close your account which is why you're doing this in the first place). > I'm talking about normal banks, fintech banks, such as Revolut, are actually pretty good. My bank accounts are NatWest and starling and CC's are Amex and NatWest - pretty traditional.