[umurkontaci]

There's actually an implementation of this for online sales in Europe (and probably other places in the world), it's called 3D Secure: https://www.visa.ca/en_CA/visa-everywhere/security/future-of...

It adds a step during checkout where you are redirected to your bank/card issuers page to answer some security questions.

[Semaphor]

Yeah, I need to open my banking app and approve the payment there. I think it needs to be supported by the vendor though