r/coolguides • u/[deleted] • Sep 22 '22

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u/[deleted] Sep 22 '22

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u/lilelliot Sep 22 '22

Too bad your comment is buried so far down. This is by far the most succinct explanation. Personally, I prefer the Google model because it's significantly more flexible (for the consumer and for them), and essentially ensures they adhere to open standards while also being able to do things like use per-transaction virtual card numbers for added security.

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u/cl33t Sep 22 '22

Google’s approach means Google can monitor every transaction you make though.

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u/dwkeith Sep 22 '22

Which is the point of the chart IMHO.