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A comment on Europe's $24T Breakup with Visa and Mastercard Has Begun. Parent comment

Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by hermanzegerman on Tuesday February 10, 2026 @05:01PM (#46967561)
In Europe your liability for Card Misuse is capped at 50€ for things that happened before you blocked it.

Also how would someone misuse it? You need a PIN Code for every transaction anyway, and the EMV Chip can't be cloned like Magstripes.

Online Payments need a mandatory 2 Factor Authentication

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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by cassepipe on Tuesday February 10, 2026 @07:14PM (#46969029)
I have always heard that the 2fa verification really depended on the vendor actually doing that auth so I always scrape the 3 verification number (what is it for anyways ?) at the back of my card. It's just 3 numbers after all.
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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by hermanzegerman on Tuesday February 10, 2026 @07:48PM (#46969314)
It's mandatory by law, and it's additionally to the 3 numbers at the back of the card. Usually it works by confirming or denying the transaction on the App of your Issuing bank
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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by beAbU on Wednesday February 11, 2026 @10:10AM (#46975902)
None of the eu amazons have 2fa on their card transactions.
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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by antonkochubey on Wednesday February 11, 2026 @04:52PM (#46981646)
They recently enabled 3DS for business accounts, on customer ones it’s indeed still disabled
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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by hermanzegerman on Thursday February 12, 2026 @06:46AM (#46987562)
Why do they say otherwise on their own website?

https://www.amazon.de/b?ie=UTF8&node=17666138031

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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by beAbU on Thursday February 12, 2026 @11:29AM (#46990800)
Well I have bo idea. All I know is when I purchase on either .de, .co.uk or .ie the transaction goes through immediately. I have 3D secure enabled.

The text on that link of yours is sneaky though:

"...you MAY be asked to..." (Emphasis mine)

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Re:Europe's $24T Breakup with Visa and Mastercard Has Begun by hermanzegerman on Thursday February 12, 2026 @03:20PM (#46994549)
Because you can add them to a "That Store is safe" list, and you won't get asked again. You probably did this at some point
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