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almost universally when I complain about this they say the post/submit is secure which makes me think that’s the PCI requirement.
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The POST is encrypted. Not sure I care though, it's 2019 - this is a 2005 problem.
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It's effectively NOT encrypted if the page containing the form is unencrypted
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It can be trivially replaced with a form that uses http. If everything isn't encrypted, nothing is.
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