Which banks are offering throwaway credit card numbers? And where do you see wide scale deployment 3Dsecure for online checkouts? Certainly not in the US.
And what online payments processors are offering less than PayPal's 2.9% + $0.30? Seems pretty standard across the industry.
Citi bank will give a throwaway credit card number if you have one of their credit cards. I use it all the time, you can even set a date/limit on it if you want