[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.