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It was patent-locked until a few years ago thanks to Amazon, but beyond that, handling payment information is a pretty hairy process. Credit card numbers are considered to be PCI and the network subject you to annoying audits and processes to be able to store it.

So, for one thing, it's not possible for retailers because very few (probably none) store payment credentials anymore. Too expensive - that's what payment processors are for.

For payment processors themselves, clearly they can, it's the subject of the parent post, but there are regulatory hurdles.




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