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0 pointsOptionOfT1mo ago0 comments

What about authentication?

I remember living in Belgium this was the case, and I always had to go and find that stupid physical barcode reader that I then had to hold against the screen, sign in with my debit card, PIN, enter the Euro amount, and then sign the transaction.

Now that I live in the USA, I have my credit card number in Bitwarden, with expiration date and CVC.

When I want to buy something, I let it autofill, and I don't have to verify and / or sign any transactions, bar high price ones (e.g. new $5k TV from Best Buy).

And in terms of security? It's a credit card. I review my statement every month. If I didn't make the purchase I call the fraud department and the charge is removed. Last time I did that they didn't even ask me questions.

I'd take Apple pay over the old(?) EU system.

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2 comments · 2 top-level

locknitpicker1mo ago

> I remember living in Belgium this was the case, and I always had to go and find that stupid physical barcode reader that I then had to hold against the screen, sign in with my debit card, PIN, enter the Euro amount, and then sign the transaction.

I can't talk about Belgium but from what I've read, the dutch iDeal system requires nothing of the sort. It seems to act as a broker between your bank and the business, and a user's input is limited to pick the bank you use and approve the payment through your bank's app.

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dalben1mo ago

The physical barcode reader is long gone in Belgium. Instead, you scan the QR code with your banking app (or on mobile, click a link to open the banking app), and either verify directly for amounts under €250 (?), or verify big amounts with ItsMe, another app, using Face ID.

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