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I can't speak to how other European countries did only payments, but you never gave your credit card number to the merchant in Denmark. It was always done via a
by mrweasel 1y ago
I can't speak to how other European countries did only payments, but you never gave your credit card number to the merchant in Denmark. It was always done via a 3rd. party payment provider, initially mostly DIBS, then came WorldPay and later many more.
Charge backs was also always fairly easily done via your bank. Though you did have to call them, so yes PayPal was/is easier. I don't know, the trust in PayPal was always really really low.
- rvnx 1y agoIt was before 2006 (enforcement of PCI DSS), at that time, a lot of merchants just created and hosted themselves a payment form and stored bank card numbers themselves, numbers that they often collected on non-HTTPS pages
- mrweasel 1y agoBecause the banks are liable to fraud in Denmark, probably also other countries, they already had really strict rules for online payments. Denmark also has it's own national payment card "Dankort", and before 2006, you needed to accept Dankork as it was the most popular debit card. The Danish banks could make their own rules, separately from PCI DSS, and those where much stricter, so no http and only specially audited software was allowed to handle the transactions. The downside was a near monopoly from DIBS.