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It's such a broad question... are you a consumer or a merchant? Are you doing a card-present payment (eg swiping at a store POS) or a card-not-present payment (eg entering your credit card number on an ecommerce site)? Are you buying/selling a high-risk item? How much do you care about privacy? How much do you care about rewards (if you're a consumer) or processing fees (if you're a merchant)?

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let's wind it down

of-course, it's seemingly a card not present payment, because it's digital payments infra unless you keep a card reader present to convert it to, your processor via bank to complete txn.

yeah, it is different for all and a lot of things come into account payer can be anyone consumer or merchant, anyone who would like to do a txn.

but what has been your pattern, i'm curious?

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