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I always wish we had some sort of standardized way to do Oauth-style payment via e-banking. As in, I go to onlinevendor.com and click "pay", it redirects me to

by ojii 13y ago

I always wish we had some sort of standardized way to do Oauth-style payment via e-banking. As in, I go to onlinevendor.com and click "pay", it redirects me to my bank, I log in and accept the charge, it directly charges my bank account. Online payment is the only reason I have a (pre-paid) credit card, but it really doesn't need a credit card. I don't want/need "credit" and since it's online a "card" is useless. We already have e-banking for many things, why can't I use this for payment?

kalleboo 13y ago
> As in, I go to onlinevendor.com and click "pay", it redirects me to my bank, I log in and accept the charge, it directly charges my bank account This is quite common in Sweden at least. It's called "direct payment" and works with the 3 biggest banks. The rules around disputes and chargebacks are muddier though. Debit/credit cards also have 3DSecure for password authentication. edit: also, debit cards work 100% for online payment, there's no reason to apply for credit