IAmA a malware coder and botnet operator, AMA
Most of what he says is obvious stuff and the emphasis he puts on how much he modifies stuff makes me assume he's someone that just runs programs and doesn't have any unique insight, but he does make one interesting point:> Try to use "Verified-By-Visa" and "Mastercard-Securecode" as rarely as possible. If only your CVV2 code is getting sniffed, you are not liable for any damage, because the code is physicly printed and could have been stolen while you payed with your card at a store. Same applies if someone cloned your CC reading the magnetic stripe or sniffing RFID. Only losing your VBV or MCSC password can cause serious trouble.Does anyone know if this (using verified-by-visa, mastercard-securecode remove any payment protection if you get key-logged etc) is correct?