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I'm fairly sure you can have 3D secure for credit cards. > 3-D Secure is a protocol designed to be an additional security layer for online credit and debit car
by oblio 2y ago
I'm fairly sure you can have 3D secure for credit cards.
> 3-D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions.
https://en.wikipedia.org/wiki/3-D_Secure https://en.wikipedia.org/wiki/3-D_Secure
- ExoticPearTree 2y agoBut it is a burden on the customer to use it. And in the US at least, you want to let people pay you as easy as possible, not have them jump through hoops like it is in the EU with a second factor authentication. Different approaches.
- oblio 2y agoYou've moved the goal posts, I saw your other replies in the subthreads.
- lxgr 2y agoHaving to dispute transactions or beg my bank to please let through a given payment, yes it’s really me (because they only have antiquated and often very insecure ways of establishing my identity) isn’t thrilling either. 3DS on every transaction would definitely be frustrating (and not even EU banks/merchants do it); 3DS on no transaction just shifts the friction elsewhere.
- CaptainZapp 2y agoBurden? Not really. I get a popup on my phone via the issuers app CONFIRM DENY And after clicking CONFIRM the transaction goes through. Adds maybe 3 seconds to the process. This is online only. On site payments of ca. 100$ or less are tap and done. For higher value transactions a PIN is required.