I doubt that if it wasnt a cash grab and this big paper hassle they would fix the system. Ipin would be net wide but its not so that means it benefits them to have things the way they are . Big company like Visa if it was costing them all kinds of money as you state to do cb's they would be harder to do and a system would be in place to take away fraud but thats not the case so someone is benefiting.
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