Consider integrating with card issuers

[jonathanKingston]

Crazy idea but there would be advantages to integrating with card issuers like Monzo for example.

Firstly they issue their own cards so will have access to give those to us, also they have the ability to generate card numbers per payment which would reduce the need for a user to even type them in with the advantage that they get a unique card number isolated to the payment amount that we know via the API.

[jonathanKingston]

User flows:

1. User logs into card issuer in a tab
2. User goes shopping
3. User is given an option to use card issuer
4. User clicks card issuer
5. User confirms payment

Or:

1. User goes shopping
2. User is given an option to use card issuer
3. User logs into card issuer modal
4. User clicks card issuer
5. User confirms payment

[marcoscaceres]

This case will be handled via the Payment Handler API https://github.com/w3c/payment-handler

[jonathanKingston]

That is super interesting! My crude understanding of the payment handler is:

• Payment provider has a service worker exposing their payment process called BeaconPay
• User goes to merchant.com and chooses from BeaconPay or Normal Card payment
• User chooses BeaconPay as the merchant supports it

This proposal was more about us pollyfilling the lack of normal cards and data in Firefox with card issuers who might be willing to trust us in generating normal cards. To the website it would behave as a normal card payment.