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>I still find it insane that the "normal" way to pay for goods and services is to pass full details of your payment card, sufficient to make any future payment, and just trust the merchant. Surely the sane way is you generate some token they can redeem against, but you can e.g. expire it or modify it.

That's kinda how Blik payments work in Poland. They generate one time code that is used to purchase goods, you also have to confirm it on your device(usually a banking app).

That code is one time use and expires after 2 minutes - and it can be safely told out loud. You also get transaction details before you confirm it on your device.

Expanding this system to a token that allows recurring subscription would be pretty convenient.



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