Secure Payment Confirmation

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Full Title

W3C standard

Context

Secure Payment Confirmation (SPC) is a Web API to support streamlined authentication during a payment transaction. It is designed to scale authentication across merchants, to be used within a wide range of authentication protocols, and to produce cryptographic evidence that the user has confirmed transaction details.

Problems

  • In 2022 versions of Chrome/Edge there is a Secure Payment Confirmation API which requires you to handover your card number in CLEAR to merchants. In addition to violating GDPR, it is based on a stupid idea: Merchants do not need card numbers, they need a payment confirmation which they only can get from the specific payment network.

Solutions

References

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