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Re:Visa, Mastercard $30B swipe fee settlement rejected by US... by ExoticPearTree on Wednesday June 26, 2024 @09:02AM (#40799545)
You don't fill out forms or what you imagine. And because it is a credit card, you don't lose your money.

Regarding your last question, about the 15 seconds friction, you should work for a bit in online commerce to see how fast people give up paying if there's even a little inconvenience in the checkout process and go somewhere else they perceive it makes their shopping experience easier. The biggest drop in conversion rates happens at the checkout stage.

Re:Visa, Mastercard $30B swipe fee settlement rejected by US... by franga2000 on Wednesday June 26, 2024 @02:20PM (#40802861)
Where else would they go? The 3DS process depends on your issuer, not the merchant, so the process is the same no matter where you shop.