Post
Topic
Board Bitcoin Discussion
Re: On a panel with MasterCard and Visa
by
deepceleron
on 23/08/2013, 13:07:55 UTC
These are problems that are unfixable with credit cards. Until they switch to a something you have + something you know + real crypto that prevents interception or reuse of a payment authorization, guarantee any authorized payment will be instantly and irrevocably paid to the merchant, and quit becoming a better-business-bureau, they will only suck.


Traditional payment networks (...) suffer inherent weaknesses:
  • Some payment fraud is unavoidable,
  • Completely non-reversible transactions are not possible; payment processors are involved in disputes,
  • Identity fraud and remote account takeover using stolen credentials are possible,
  • Payment processors can block funds and freeze accounts,
  • You must provide your credit card or account number to sites, which can be stolen by hackers to spend your money.

Bitcoin has none of these problems:
  • Confirmed Bitcoin payments are absolutely trustable,
  • Payments are non-reversible; money cannot be recalled by the sender,
  • Identity theft is a non-issue - payment recipients don't need to obtain the identity of buyers or store personal information to take payments,
  • Nobody else can interfere with your Bitcoin balance or your ability to send or receive money,
  • You are in control of your money - when you send a payment, the recipient or hackers cannot make other fraudulent withdraws from your wallet.