[a_imho]

Order pizza, pay with virtual card. Payment provider needs 3FA+Captcha, one of the factors is email which is another 2FA challenge. Disclosing the card details once logged in prompts for another 2FA, finally VISA also challenges you with a recent payment question. Insanity.

[zeekaran]

Then they store your credit card info in a database and leak it some time next year.

[ryandrake]

It's pretty annoying that they load all this pain and suffering onto the user who's just trying to make a purchase, when the company's database is often the weakest link.

[illiac786]

This is fascinating to me. Why do we have to go through all these hoops with the bank and somehow, when the credit card # is eventually and ineluctably leaked, the thieves have no problem using it to make purchases, whiteout going through all these 3FA etc.

How is that possible?

[a_imho]

Hence the virtual card. I can just discard it after a few purchases. Isn't this enough?

[efitz]

Captcha IMO is way worse in terms of user experience than 2FA. And the only 2FA that I don't detest are app push and TOTP.

[hot_gril]

Well pizza in particular often has a cash payment option, which I always use for that.

[al_borland]

This would be enough to have me drive to the pizza place myself and pay cash.