Why do you care about providing your credit card number to order something? You're not liable for fraud and most banks will replace the card quickly. In 25 years of having credit cards and using them extensively online I've had them compromised only a few times. It's really not something to worry about.
"not punching in my credit card number to random sites"
Not sure about OP, but for me it's about convenience. My pet peeve is credit card forms. Do you know what % of websites I've used that have at least minorly broken credit card forms? It's literally 99%.
Random common issues that are annoying but can be fixed:
- autocomplete doesn't work at all
- autocomplete only fills in half the fields
- autocomplete only fills in 1 field at a time
- autocomplete doesn't interact correctly with the rich widgets they provided for date picking or zip code
- autocomplete doesn't play well with js validation, which is only on callbacks for typing. Now I have to go backspace and re-insert the last character of every field so it doesn't think it's blank
- my town name has a ' in it. complete fucking crapshoot on whether sites DEMAND or HATE the '.
Common issues that are complete fucking messes that can't be fixed:
- javascript between fields fights over edits between them and I can't get the form simultaneously filled out correctly
- rendering issues on mobile leaving fields not visible
- autocomplete doesn't work and I've for some reason forgotten my CVV again and don't want to go get my wallet
I could go on and on. It's amazing how hard it is to get this right and how obviously nobody tests the flow where PEOPLE GIVE THEM MONEY which as I understand it is the primary purpose of these places.
I don’t use autocomplete, but a large number of sites feel the need to reinvent how a credit card form should be displayed. I do not care for your innovation. Put it in the same layout as the physical card. Plus the large number of sites that have broken tabbing (does not work or seemingly jumps to fields at random).
You know they print them right on the card right? How hard is it to punch in 20 characters and a name and billing address? Talk about first world problems.
Maybe it's just me, but why would you want too have autocomplete for CC forms enabled? Personally, on these very rare consciously chosen occasions where I decide to give my CC number to another entity, I prefer to copy it from my banking site and never save it anywhere, neither locally nor in a cloud.
Can you name some specific sites where this is an issue for you? I've had nothing but good experiences buying online, in the US at least.
Every single site I've bought from has the same boring and functional checkout experience, whether it's Stripe Checkout, Google Wallet, or Shopify. They're practically all the same, and they all work fine.
>You're not liable for fraud and most banks will replace the card quickly.
It's enough of a pain in the ass that most people would rather not deal with it at all. An extra layer of security to help it not happen is a very nice benefit.
Let's say you're a small EU-based merchant accepting payment for international orders via Stripe. An incoming iDEAL payment costs €0.30 / transaction. An incoming credit card payment? €0.25 / transaction, plus 2.5% of the transaction value. On top of that, you as merchant are charged €20 for every chargeback! And those additional costs are of course passed on to the customers because they will raise all prices by 2.5% to make up for it.
There is no free lunch. You are implicitly buying fraud insurance on every order and paying 2.5% for it.
For me it is 2-3 times a year, which is a major pain. I have to switch every billing service over manually. Sometimes bills lapse. I have even had replacements stolen from mail and used.
