I think parent is referring to 3-D Secure (3DS). This is basically an authentication step which delegates most of its implementation to your bank (or whoever your credit card provider is).
I'm not sure what Standard Bank is doing with regards to 3DS, but it would certainly be neat if its implementation were programmable as well.
I'm not sure what Standard Bank is doing with regards to 3DS, but it would certainly be neat if its implementation were programmable as well.