Some financial institutions are much worse than others. I think it depends on what system they’re using for fraud detection.
undefined@lemmy.hogru.ch 3 weeks ago
If you look at most apps they’re just wrappers around the websites. Usually they’re using the exact same domains for payment processing so I can only imagine that the payment details are 99% the same.
Personally I haven’t experienced an increase in card declinations on websites vs apps.
swelter_spark@reddthat.com 2 weeks ago
DeathByBigSad@sh.itjust.works 3 weeks ago
But don’t they have to send that info to the card issuer?
Like don’t the merchant side have to log and send your IP addresses, what client (browser or App), and like every little info about you to the financial institutions so they can run it through their stupid “fraud prevention” system…
So I assume perhaps somewhere alone the line, some shitty AI assumed that “normal behavior” is “using the App”
(Just a wild guess, no clue how it works behind the scenes)
forrgott@lemmy.zip 3 weeks ago
I doubt it. I find it far more likely that the merchant is arbitrarily declining if they can’t scrape enough of your data to sell later…
masterspace@lemmy.ca 3 weeks ago
Nope. You can literally just send them the exact fields needed for processing a transaction.
protist@retrofed.com 3 weeks ago
Same here. I’ve never had a card declined on a website. I’m decidedly anti-app and haven’t ever had a problem