Agreed, as a Canadian, we are usually a few years behind, and as for Visa, almost every time I use my credit card online I have to reset my "verified by visa" password, because I can't remember the password from the last 20 times I had to reset it, but luckily all it takes to reset it is the skill testing question of what is my mothers maiden name.

So I have to go throught this BS reset every time, and whenever someone wants to steal my credit card, all they need is my mothers maiden name.

What irks me though is that visa knows this is a security flaw, I wish I had the paper to link the fully explains what isn't immediately obvious.

What about Interact online? I've used it on a bunch of Canadian sites and it allows me to pay directly from my online bank account.