As I mentioned in another reply, "Verified by Visa" is a stupid joke. Which, fortunately, I don't think I've seen anymore in at least 10 years. The paper linked in the other reply to you provides more details of how stupid this thing is.

IIRC basically the first time you encounter it you get a popup asking you to create an account. Yeah, right, I'm on some random website and I'll just start entering all sorts of security information into a popup. NOT! I did some checking when I first encountered it, and decided it was legit. But 99% of people won't. They'll just say "fuck this, I don't need this shit". They will then go elsewhere.

I encountered it a few more times after I first signed up. And it would have maybe a 50% success rate of actually "verifying" my transaction. I'd enter the information and nothing would happen.

It's the antithesis of the friction-free way that Amazon does business. I probably use Amazon once every few years but they still have all my info saved. I don't have to enter an address, I don't have to enter a CCV, I don't have to enter a credit card number. It only takes a few mouse clicks to complete an order on Amazon.

So, which payment method would the average person prefer?

Edit: look at what Wikipedia has to say, it generally makes the same points as the paper. Why would anyone voluntarily want to use this? https://en.wikipedia.org/wiki/3-D_Secure#General_3-D_Secure_...