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Barry are you saying that if you buy something online or sign-up with a porn site (which you do daily of course) you get directed to the site of your own bank and you enter a fixed code/password? That is how it started with my bank but later they dropped the fixed code and now send a code to your mobile phone and if you don't receive that, they send another code to your e-mail address.
I must say there are still sites that don't require you to enter the secure code, for example amazon.com or the French railroad service, or Easyjet.co.uk but a growing of other sites do and I think it's a good way to prevent fraud (that's what it's intended for too) and I don't understand why there are still adult biz card processors who don't work with secure code while they at the same time are suffering from chargeback paranoia. Implement secure code and chargebacks will drop to 0.1% or lower.
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