@chris @aral The only things you can't do is buy real estate in cash or rent a car with cash, as both don't want to handle cash and car rental will likely prefer to pull the entire rent + deposit and then back-transfer the deposit after returning the car...

also banks here are extremely stingy in terms of loans and actual credit cards are sparse with low limits at best...

So if your CC doesn't support #3Dsecure, #PSD2 and Chip+Pin it may not work at all...

@aral *nodds in agreement*

I wish I could go into detail about how f**ked up finance and payment providers are but that's covered with NDAs...

Granted most of it is just absurd #TechDebt and shitty tacked-on solutions like #3Dsecure and #PSD2 that never solved the core issues whilst bricking enough stuff that a complete redesign would've been more useful and economically...

@monoxyd Ist der #PS3-Store überhaupt noch aktiv?

Wenn #Sony den nicht updated zwecks #3Dsecure - Compliance dann ist das Hinzufügen neuer Kreditkarten seit März 2021 nicht mehr möglich...

Habe bei nem Zahlungsdienstleister gearbeitet und kenne daher die Problematik...

PSN Guthaben aufladen als Alternative ist auch keine Option, oder?

W3C updated document describing how 3-D Secure, FIDO authentication, and W3C Secure Payment Confirmation API relate and can be used together

https://www.w3.org/TR/2022/NOTE-htr-20221213/

#emv #3dsecure #w3c #fido

Europol recently released information for consumers on how to avoid ecommerce fraud.

Advises are good in general but I do not really agree the advise on preferring sites with strong customer authentication (3-D Secure). 3-D Secure is for reducing risk of merchants, issuers and the card brands but not the consumers.

1) Consumer protection is not increased depending on if merchant offers 3-D Secure or not. It mainly protects the liability of the merchant.
2) Having 3-D Secure via, for example, bank credential authentication increases the threat that consumer's bank credentials are stolen if fraudsters forget bank authentication pages
3) Consumers do not really have any information to know whether card forms or any "we user 3-D Secure" logos are authentic

ref. https://www.europol.europa.eu/operations-services-and-innovation/public-awareness-and-prevention-guides/e-commerce-tips-and-advice-to-avoid-becoming-fraud-victim

#europol #ecommerce #3dsecure #fraud

@astronav
Da ich in der Branche arbeite wuerde mich interessieren, was das fuer Probleme sein sollten? 🤔
Prinzipiell macht das #3dsecure ja lediglich einen redirect zur Bank um sich zu authentifizieren. Einzige Probleme die ich/wir da sehen, sind Browser die sehr stark auf Privacy getrimmt sind. Sprich irgendwelche forwards, Scripte und aenhliches die unterdrueckt werden und dann versagt die Authentifizierung. Es sei denn bei der Commerzbank laeuft das ganz anders....

Hast du eine #Kreditkarte von der #Commerzbank und benutzt das #3dSecure-Verfahren bei Online-Bezahlvorgängen? Wenn du das auch noch unter #Linux machst, dann würde ich gern wissen, ob du dabei in letzter Zeit #Problem:e hattest, und wenn ja, welche das waren.

Da meine #followerpower recht übersichtlich ist, gerne boosten. Danke.

Vous avez des infos sur la manière dont les banques vont remplacer la vérification par SMS pour septembre 2019 ?

https://www.bfmtv.com/economie/pourquoi-vous-ne-recevrez-bientot-plus-de-code-par-sms-pour-valider-vos-achats-en-ligne-1561032.html

#sms #3dsecure

Vous avez des infos sur la manière dont les banques vont remplacer la vérification par SMS pour septembre 2019 ?

https://www.bfmtv.com/economie/pourquoi-vous-ne-recevrez-bientot-plus-de-code-par-sms-pour-valider-vos-achats-en-ligne-1561032.html

#sms #3dsecure

IMO these new 3-D Secure v2.x checks are ridiculous.
I mean seriously, there are things in like "Cardholder
Account Purchase Count"
So here the #merchant will tell the #issuer how many #transactions a specific cardholder made on their platform.....🤔
Or like that one in the screengrab. Why is that relevant for the #CardSchemes and potential #fraud-block? That all doesn't make much sense and presumably seems to exist just to collect more data. #thoughts
#fintech #psp #3dsecure