In this case, I was just opening an account, didn't get very far at all. My credit card info or Paypal verification should be enough for standard North America transactions.
Neither of those are really that secure as both are routinely compromised and used without authorization. If the merchant isn't shipping something, they really have no good way to authenticate a customer based on those payment methods alone (unless Verified by Visa / MasterCard Secure Code are involved, which helps drastically). -- Wondering what I do? Find out at »www.digitalcon.ca Get your Obihai ATA in Canada.