[zimpenfish]

> I think some UK banks are much more trigger-happy than the global average

For a good year, Barclays would ask me if my monthly Oyster purchase, for the same cost, at the same station, on roughly the same day of the month, was actually me doing it. Natwest, similarly, have blocked my "early September, about £1200, to Apple" payment for 5 years in a row now. It's infuriating.

[seanhunter]

Yeah. It's completely nuts. Especially when you consider how little of the actual fraud they seem to manage to stop. It's like someone needs to go in there and give them a stats 101 talk about type I and type II errors, because they somehow manage to defy all the rules of logic and have extremely high rates of both.

[fmajid]

The real travesty is that the credit card companies have had over 25 years to standardize a secure payment system and get it into browsers, yet have still failed to do so which is why we have fraud detection heuristics and their associated false positives. SET was launched in 1996, for crying out loud:

https://en.wikipedia.org/wiki/Secure_Electronic_Transaction

[martin8412]

Your own link mentions the technology(3D secure), but all cards issued in the EU have mandatory 2FA for online payments in the form of 3D Secure. I usually have to verify in an app. This results in very little fraud.

Additionally there's the Payment Requests API from W3C which is compatible with Apple Pay and Google Pay.