Some points I disagree with:<p>1. Disabling functionality based on user location is evil. It's entirely possible to both have iDEAL card and to live in the US (or somewhere else).<p>2. You're not manually entering that number every time, are you? And many formatting libs interfere with properly pasting stuff.<p>3. Names of customers from non-english speaking countries are latinized for display on a card. So, a user can use his real name for profile page and a transliterated name for billing.<p>9. I think security code must be entered on the checkout page right before submitting the order per some regulations. Also, it's just 3 digits.