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> The credit card security relies mainly on the ability of the bank to rollback in case of "a shit happened" and in the payment terminal itself.

That's certainly not right, the electronic chip in a payment card relies on cryptography, and if you used than together with a PIN the bank has a strong argument to not rollback anything. If you're using a debit card like most of Europe, you're going to have a hard time convincing them.



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