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Re:Show HN: UPUP Simple Credit Card Verification to Reduce F... by jaywalk on Thursday July 30, 2020 @03:55PM (#24002240)
It's not, and SCA 3D Secure is a better solution.
Re:Show HN: UPUP Simple Credit Card Verification to Reduce F... by kennydude on Friday July 31, 2020 @08:58AM (#24008155)
Especially when the card providers move the risk, and therefore part of the cost of the transaction onto the bank. It's up to the bank to make 3D Secure, secure by authenticating the user in it's own way.