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Reading a card from a submitted image has a lot of fraud possibilities.
Scanning an EVM chip on a card makes more sense -- then it is a card present (on the internet) transaction.
We are PCI compliant and store our customer's card data but for security require the code on the back of the card to be entered manually -- we want validation of the transaction by the customer (payor). This makes buying easy -- we have done this for years now.
Paypal has a deal with Epoch I surmise because of risk consolidation -- Epoch will screen their merchants so the merchant fraud risk is minuscule. Also, I would expect that Paypal earns a premium fee on these adult transactions too?
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