[rahkiin]

That’s why for most transactions I do with a credit card in my country, you need an extra validation with the mobile app. It is mostly American websites that do not enable this functionality.

[drnick1]

Yes, because we don't want these stupid locked down apps. Credit cards give buyers many protections, it's very easy to dispute an illegitimate transaction.

[gwillem]

However, you pay 2.7% for that convenience

[Hikikomori]

Europe mostly uses debit cards but also have most of those protections.

[monksy]

Because we have anti-fraud consumer potection rules and CCs operate on a make money first type of bais. The debit networks on the otherhand are a different story.