[mrweasel]

It's only getting harder if you have "inline" payment. Honestly I'm glad to see that go away.

We always used "hosted payment page" solution, it's safer, and we've been expecting tougher rules for some time.

If you want to talk about online payment becoming harder, you should address the increasing number of payment options that online stores need to support. Adding to debit and credit cards are bank transfers (which is different in every country), PayPal, invoicing, part-payments, financing, and an almost unlimited number of local option.