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> Most of the big issues are moving online payments over to a 3d secure spec.

Are they? I had to look this up to see that it's referring to the "Verified by Visa" and "MasterCard SecureCode" products. I had to sign up years ago (2007 for Visa, 2011 for Mastecard) for each of these for some online purchase, but can probably count on a single hand the number of times I've used them, and I think at this point it's been years since I've used either.



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