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Re:Can the Visa-Mastercard duopoly be broken? by Jensson on Thursday August 18, 2022 @08:29AM (#32508662)
That is exactly how my debit card transactions works. When I buy a game on steam using my debit card I get a popup in my phone asking if I really initiated the payment and lets me decline.

The payment page spins until I click ok on it in the phone, since my bank wont accept the transaction otherwise.

Re:Can the Visa-Mastercard duopoly be broken? by lxgr on Thursday August 18, 2022 @08:45AM (#32508837)
The grandparent post was asking about the German payment system, which presumably refers to SEPA Direct Debit, not debit cards.

What you are referring to is called 3DS, and it's a feature of both credit and debit cards. (It's available worldwide, but most commonly used in the EU, since it's mandated for ecommerce card transactions in many circumstances.)