This is no different than chip+pin for physical purchases. There are still other major areas of fraud that has to be addressed.
It doesn’t cover credit risk-even on a debit card, there can be a “hold” period of an arbitrary amount before the final transaction clears. When you swipe a card at a gas station, they often run a $50 authorization hold on your account.
It also doesn’t cover merchant fraud—- Visa/MC covers you if the merchant doesn’t ship the product because they’re a fake company.
Then there are value-added warranty services that higher end cards offer. These are easily worth the 1%+ fee.
fyi, SQL Server has a message broker built-in.
https://learn.microsoft.com/en-us/sql/database-engine/config...