[stephenr]

I've used it via "verified by visa" with two banks in two countries.

In both cases, there is a custom phrase that I provide the bank, which is then provided on the 3D-secure page where i enter the sms OTP.

Honestly so long as they show me the phrase I gave them, I couldn't give two shits if it looks like it was designed in 2002, at least that keeps it consistent with the rest of their online banking page styles.