UK position here, almost all card transactions use 3-D Secure[0] rather than making the user enter their PIN. I could rant about how bad the 3-D Secure idea is

UK position here, almost all card transactions use 3-D Secure[0] rather than making the user enter their PIN. I could rant about how bad the 3-D Secure idea is, but that's another discussion entirely. [0] https://en.wikipedia.org/wiki/3-D_Secure https://en.wikipedia.org/wiki/3-D_Secure