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Comment by qup

2 years ago

It's not rare at all where I'm at.

I mean actually, I frequent a business where you cannot get a cell signal, but they offer free wifi. Metal building blocks the signal. This could happen anywhere.

Right but then you just connect your phone to the wifi? The following methods I have had for the 3DS card payments are (ultimately depends on the bank):

- Bank sends you a tiny card reader that you enter your PIN and it gives you a one time code. If you want to make payments that require 3DS (online only ofc) you have to have this card reader on you but it doesn't actually require an app or internet connectivity.

- You have an app on your phone, you drag a code from a notification onto another area of the app itself which does something (somehow - no idea the purpose) and verifies the transaction. Certificate is stored on device only.

- You open an app and it'l notify of the purchase amount, location, merchant and you just tap allow

- You receive a code in the mail that is renewed once a year which is then combined with a SMS message (or app notification). The payment flow asks you for some characters from both codes.

You do not require cell service for any that I have used and wifi is enough.

Further Edit: Just to clarify though, all of these are ONLY for online purchases. Purchases in shops you just use your pin if it requires authorisation.