I presume its down to the bank. Most of them likely choose to avoid it if possible as it's a barrier to people using their card. However, I use Monzo as my mai

I presume its down to the bank. Most of them likely choose to avoid it if possible as it's a barrier to people using their card. However, I use Monzo as my main current account. I would say that around 50% of my online payments send me through 3D secure, which for them involves pressing the approve button on a notification and entering my card PIN.