alt Hacker News> 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.
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Hupriene • yesterday at 9:38 PM
Bold of you to assume that the public has more influence on legislation than lobbyists do in the US.
idiotsecant • yesterday at 9:44 PM
Ah, the natural call of the wild European: blaming individual Americans for a century of policy failures with truly majestic smugness.
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Exactly, if citizens could convince US lawmakers to make it mandatory, it would be a huge net benefit to society as a whole.
I suspect that banks and merchants would lobby against it due the work involved. After all, they’ve already marked up their services and goods to cover the cost of fraud/insurance. So right now they don’t pay the cost of it, instead all their customers do through higher prices than they would otherwise have needed to pay.