Re: [w3c/payment-method-basic-card] Brand selection (#49)

> That kinda makes a mess of that spec because it’s unclear who is supposed to conform.

+1 - hence my question about who is supposed to detect that the card has two networks.

In the Payment Request ecosystem, when using the basic-card payment method, the browser is just a repository of card data. The ability of the browser to perform network or card type filtering is a "bonus" but should not be assumed to always be possible (or accurate) in my opinion.

The browser shows card network logos but that is just a some UI sugar. Unless there is an open database of card BINs that can be used to correctly classify every card into the correct network and type this will always be a best effort and we can never expect browsers to get this 100% correct.

> we are looking for a global better user experience for all markets

I agree but there are limits. This regulation smells a lot like the cookie notifications regulations that force websites to show notifications to their users to warn them they are using cookies, i.e. written by people with a very narrow view of the way the technology works. I don't think it is our job to work around bad regulations. 

We can work with a regulator that is prepared to be open-minded and try to help them achieve their goals but they must accept that the Web is an open network, solutions that require proprietary databases of card BINs are not going to be acceptable.

I think that if we allow the user (when they store the card in the browser) to specify what network it is then we have met the obligations of the text you provide above. That said, this still requires browsers to do a lot of work to:
a) Figure out the possible networks that a user can choose from
b) Add a step in their flows to allow the user to make this selection

I don't see this as a likely candidate for implementation before CR since merchants can currently provide this network selection step after getting the PaymentResponse, even thought this is a less desirable user experience.

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