I'm interested in your view that 3DS and VbV are "very American and not at all what European customers expect to see".
Although generally payment methods are quite diverse across Europe, I'd say in places like here in the UK it is now fairly common to get the secondary confirmation prompts when purchasing on-line, certainly from smaller businesses. They also seem to be fairly smart about when they just let it go through without troubling the user these days, e.g., low value regular payments to the same vendor don't seem to ask me for any confirmation most of the time recently, but payments to new vendors often do.
Although generally payment methods are quite diverse across Europe, I'd say in places like here in the UK it is now fairly common to get the secondary confirmation prompts when purchasing on-line, certainly from smaller businesses. They also seem to be fairly smart about when they just let it go through without troubling the user these days, e.g., low value regular payments to the same vendor don't seem to ask me for any confirmation most of the time recently, but payments to new vendors often do.
Is this not your experience as well?