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3D Secure and other technologies are pretty inexistent because people pay with credit cards and not debit cards. In Europe, 3D Secure (when it is used) is used
by dagw 2y ago
3D Secure and other technologies are pretty inexistent because people pay with credit cards and not debit cards.
In Europe, 3D Secure (when it is used) is used when you pay with both credit and debit card. From a transactions point of view there is no difference between a credit and debit card.
- ExoticPearTree 2y agoThe article referenced is about how the US system works and I was referring to that. And also, in the US it is very important for your wellbeing to have a good credit score and the only way to build that is to use credit cards. From a technical perspective you are right - it is a transaction, but from a dispute perspective it matters a whole lot, so it is actually more convenient for Americans to use a credit card with no second factor authentication than go through the hassle of being asked for a code or whatever second factor the bank decides to use.