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this post was submitted on 24 Sep 2024
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Mildly Infuriating
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We have a variation of this system here (India)
During checkout you can select netbanking as payment method. It asks you to select your bank and after you select it and click next/pay, it redirects you that bank's login. You login, provide OTP, and it redirects back to the website you were shopping at, usually to orders page.
Sounds like a good opportunity to redirect to a fake version of the bank's website.
Honestly I think the best solution is a revokable token from your bank that you can give to a merchant. One token per merchant, make it easy to revoke as the user sees fit. If you see a charge on the token from one merchant by someone else it's immediately obvious that token and possibly that merchant was compromised
As far as I know, fake version of bank's website will not work because the redirection happens from payment gateway with hardcoded linking to bank websites.
My thinking was in terms of a malicious website, if it does a fake redirect to a fake bank webpage it will then be able to harvest your bank login as well, which is worse than a credit/debit card being harvested