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Re:Ask HN: Why can't Credit/Debit Card have ID and Password ... by wirddin on Friday October 20, 2017 @05:09PM (#15519122)
Most Debit Cards in India require a PIN to verify the transaction on POS (and sometimes online as well, in case One Time Password doesn't work / not available) which actually makes sense.

Now, the same debit card (if international) would not require a pin/otp in case of transaction happening on a US payment gateway. Now, it really depends how banks (or the country) handles the credit/debit card transactions.

Here's a good read on why US has the least secure cards: https://www.theatlantic.com/business/archive/2016/03/us-dete...

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