[CyberThijs]

Here in Belgium 3D-Secure is also commonplace, and the experience provided by my bank has significantly improved throughout the years. I also don't think it hurts the conversion of webshops around here because everybody is used to performing these extra steps.

It works as follows:

- Merchant redirects me to his payment provider

- I enter my debit/credit card number into the payment provider screen

- I am redirected to my bank website, and am able to verify the URL (no iframes anymore!)

- My bank has two methods of verification: scanning a QR-code with the mobile banking app on my phone, or logging into the online banking website (with a Vasco DIGIPASS 836, which requires a debit card+pin to generate a OTP)

- I verify the amount and creditor in the mobile/online banking app, and sign the transaction with my mobile pin/digipass.

- I am redirected back to the merchant.

All in all, I think it costs me 30 seconds to complete the extra 3D-Secure steps when using my mobile banking app.