Originally Posted by manywhere

Based upon these experiences it sounds like Visa hasn't improved their security since 2016? https://mashable.com/article/visa-ca...-security-risk

Unsure this approach works anymore or even if it was used in the cases above.

I'm laughing at Visa's marketing though:

Source: https://corporate.visa.com/en/sites/...nsactions.html
Where did those billions really go?

But as someone mentioned, it is good to use Apple Pay and Google Pay out in the physical and online world if those are available as an option. These use tokenized credit card numbers which means that the merchant cannot get your real CC number.

A protip: the Aktia Finnair Visa app has a one-time-use CVV generator which you can find by clicking the card image in the app, card details, and then show more. Which can be handy in online payments. (The older Aktia MC digital credit card used to have this but has been replaced by AY Visa card now.)

As for who to put on the police report, I would put the merchant first and foremost as I don't know them and suspect they aren't following the credit card processing policies. Aktia and Visa could also be alternatives since they didn't detect and prevent the transaction.