Sounds like a very US specific answer. In EU I only have a debit card and sometimes I have a hard time using it even myself because I need to pass 2fa and sometimes even that isn’t enough if I’m on a new browser
Credit cards work the same everywhere*, it’s not US-specific. My debit card actually only has my bank account number on it (but I think that actually is a Germany-only thing with our Girocards), so paying for stuff online is just a normal bank transfer, where yeah you do have to pass the bank’s 2FA (unless it’s via SEPA direct debit).
* mostly, my card requires me to confirm some charges in a special phone app, I don’t think that’s a thing everywhere since it’s also fairly recent
Sounds like a very US specific answer. In EU I only have a debit card and sometimes I have a hard time using it even myself because I need to pass 2fa and sometimes even that isn’t enough if I’m on a new browser
This is on account of the concept of SCA (Strong Customer Authentication) from PSD2 (Payment Services Directive), an EU-regulation.
Credit cards work the same everywhere*, it’s not US-specific. My debit card actually only has my bank account number on it (but I think that actually is a Germany-only thing with our Girocards), so paying for stuff online is just a normal bank transfer, where yeah you do have to pass the bank’s 2FA (unless it’s via SEPA direct debit).
* mostly, my card requires me to confirm some charges in a special phone app, I don’t think that’s a thing everywhere since it’s also fairly recent