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by nolok 3549 days ago
I can only talk from my experience, but with 3 different (french) banks it has been decent looking (paypal level), clear instructions and errors, let me retry 2 or 3 times if I type the wrong code.

The only issue is that I agree it shouldn't be allowed in iframes. The vast majority of ecommerce here uses it nowaday, except for sum under 20€ usually.