What about authentication?

I remember living in Belgium this was the case, and I always had to go and find that stupid physical barcode reader that I then had to hold against the screen, sign in with my debit card, PIN, enter the Euro amount, and then sign the transaction.

Now that I live in the USA, I have my credit card number in Bitwarden, with expiration date and CVC.

When I want to buy something, I let it autofill, and I don't have to verify and / or sign any transactions, bar high price ones (e.g. new $5k TV from Best Buy).

And in terms of security? It's a credit card. I review my statement every month. If I didn't make the purchase I call the fraud department and the charge is removed. Last time I did that they didn't even ask me questions.

I'd take Apple pay over the old(?) EU system.

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dalben 2 hours ago | parent | next [-]

The physical barcode reader is long gone in Belgium. Instead, you scan the QR code with your banking app (or on mobile, click a link to open the banking app), and either verify directly for amounts under €250 (?), or verify big amounts with ItsMe, another app, using Face ID.

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locknitpicker 2 hours ago | parent | prev [-]

> I remember living in Belgium this was the case, and I always had to go and find that stupid physical barcode reader that I then had to hold against the screen, sign in with my debit card, PIN, enter the Euro amount, and then sign the transaction.

I can't talk about Belgium but from what I've read, the dutch iDeal system requires nothing of the sort. It seems to act as a broker between your bank and the business, and a user's input is limited to pick the bank you use and approve the payment through your bank's app.

	▲	nmd an hour ago \| parent \| next [-]
		It used to be the case in the Netherlands with iDeal that you'd use your bank's e.dentifier for two factor auth (a physical device that you'd put your card into to get a code you could then put into the website to verify) - they replaced this with using your banking app sometime over the past 10 years.
	▲	gpvos an hour ago \| parent \| prev [-]
		When using the web interface some banks still offer the physical reader (which I prefer), but the banks are pushing hard to move to the phone app.