Here’s the problem. Something you have and something you know. That’s a pretty good system. 4 digits or 400 digits, it doesn’t matter. Enter your pin wrong three times and they’ll lock the card and call you.
Feel safe, you’re card is insured. Unauthorized transaction? No worries. You get the money back. The banks all are on your side.
There are some excessively complicated things regarding credit card processing and data retention but PCI/PA-DSS is a whole certification thing that takes a bit to learn.
Latest Answers