[WesolyKubeczek]

Then make your service compelling enough for me to go through the motions of confirming the payment in my banking app.

Or integrate with Android Pay/Apple Pay.

Cry me a river, but I rather prefer to be in control about who gets to withdraw money from my card, and how much.

[jeroenhd]

Seriously, if having to stand up and get whatever 2FA token thing your bank needs is too much effort for a purchase on your site, then I have strong doubts about how much your service is really worth.

Another explanation would be that customers run into trouble because they don't know how to use secure online payments. In my opinion, those customers probably shouldn't be doing any online banking on their own with the massive fraud risk that comes with stuff like this.

This line says it all, in my opinion:

> Users may also choose to abandon a transaction simply because there are additional steps to complete, giving them more time to contemplate their purchase.

PSD2 saved a lot of people from making bad financial decisions by the sound of it.

[WesolyKubeczek]

Seriously, I'm used to a bit of contemplation before I hit that final "Buy" and proceed to the payment gateway. I like it. I like that I have to enter my billing/shipping addresses. Decide if I want an invoice for a business or an individual. Think again. Go-around hunting for a better option one last time.

Lately, I've had a harrowing experience of misclicking on Amazon. The bastards have put "Add to Cart" and "Buy with 1-Click" so close together that I clicked Buy thinking I was adding to the cart.

I promptly got emails about my order having been finalized. No confirmations, no whatnot. Like those annoying traffic lights on some streets that go straight from red to green, without amber in between. I felt a bit robbed. True, I wanted to buy the stuff, so I didn't cancel, but damn it, not like this.

[karatinversion]

If you don’t cancel the purchase on principle, it was the correct (revenue maximising) design.

Not that I can talk, this is how I started my print subscription.

[WesolyKubeczek]

For them it was correct. Not for me. For me, it was abrupt.

I'm going to adblock the "buy with 1-click" button.

[marcosdumay]

Those are pretty big transactions as the law will only apply to small ones later. It's really hard to believe people are leaving multiple 1000s of Euro transactions just because they didn't bother to learn how to check an app.

I think it's much more likely that some payment methods became completely unusable, so people are abandoning their transactions to redo them elsewhere. And also, some of those must have been fraudulent, but probably very few.

[gsich]

I want virtual cards. But properly.