alt Hacker News> I don’t get it, do US citizens prefer being defrauded over what is perceived as a slight inconvenience?
Do you think we are requesting to have less secure payment methods or something?
No, we don't "prefer to get defrauded", but things like this are a matter of negotiation between the card issuers and the merchants.
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eterm • yesterday at 9:51 PM
Legislate that the banks are liable for refunding this class of fraud and you'll find they suddenly take this stuff a lot more seriously and "discover" the technology.
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> but things like this are a matter of negotiation between the card issuers and the merchants.
Not necessarily, the EU has mandated strong customer authentication by law (PSD2), and as a result has practically universal 3DSecure support.