Charge cards are more secure because they are invitation-only. Visa and Mastercard have already piloted biometric payment systems as a credit card feature. It’s no longer “science fiction” to consider the possibility of entirely cardless “charge card” accounts that rely on hand, face, or iris scans. Consider a business that issues charge cards to its own customers. You will know every single customer who has a charge card. You may even see them in person regularly. If anyone attempts to use that charge card or makes an out-of-the-ordinary purchase, you’ll know immediately. In comparison, when it comes to suspicious debit or credit card activity, you don’t know anything about the person using it or if it’s even their card. You’re totally relying on the banks and card networks to prevent fraud. In this example, we see that charge cards are more secure.