[throwaway67743]

For quite a while they've been trying to emulate fintech style ease, and to some degree they have made it (although most still insist on their own hosted gateways, which is fine as SAQ D compliance is a real chore) - they do things like OOB webhooks etc, like Stripe/Paypal/whoever do, so really the flow and integration is pretty much the same

edit: my experience only applies to UK (which were better and cheaper way before EU) and EU banks, the US is a minefield that actually is better avoided by just paying higher fees to a popular processor rather than deal with banks who think its the 1800s)