Even for Visa/Mastercard, this seems to depend on the issuer to some extent. Issuing banks often handle two-factor fraud portals (Verified by Visa, etc.) differ

Even for Visa/Mastercard, this seems to depend on the issuer to some extent. Issuing banks often handle two-factor fraud portals (Verified by Visa, etc.) differently, and these portals are increasingly common especially in much of Europe and other regions. As you noted, American Express typically seems to depend on the name but not the address.