• Willam Hugh Murray, CISSP

    Most online merchants accept credit cards. Some accept PayPal. For the moment, few offer MasterPass, Visa CheckOut, or AmEx Express Pay, much less Apple Pay, Samsung Pay, Android Pay and other proxies.

    We do not have to convince consumers to use these convenient and secure proxies. Rather we need to convince merchants to offer only proxies and not credit cards.

    It is ironic that the brands and issuers continue to tolerate and complain about “card not present fraud,” while failing to promote proxies and continuing to accept credit card numbers from online merchants. It is equally ironic that merchants are continuing to enrich the brands and issuers when there are safer and more convenient alternatives.