[crazygringo]

Because it just doesn't work with shocking frequency.

Maybe 10% of the time I make a purchase online, it shows me a screen where it says it's waiting for my bank to verify, I'll have to input a code or accept a notification or something.

A solid half the time it fails. Either the site decides the transaction was rejected before I even get a chance to respond (within seconds), or I just don't get any notification or code or anything, or I do authorize it and it still gets rejected.

[xrisk]

idk here in India, we have 2FA for everything. I would say it very rarely fails, speaking from personal experience.

[crazygringo]

I think a lot of other countries have it much more standardized. Or it's just more common so the bugs get fixed.

But in the US there are so many credit card providers, each one seems to do it differently, and the UX flows just break. And it seems difficult for a site to even test, and how will you even figure out if it's the provider or network or merchant or notification that's failing?