My bank, by default, only allows 3-D Secure transactions, since six or seven years ago. There is an escape hatch where you can disable it for 60 minutes. Steam

My bank, by default, only allows 3-D Secure transactions, since six or seven years ago. There is an escape hatch where you can disable it for 60 minutes. Steam used to require going through that procedure, but they've implemented 3-D Secure for a while now. Shopping at Amazon is a pain. They don't use 3-D Secure, and they don't even perform the transaction during checkout. Instead, they send a "payment declined" e-mail somewhere between a few minutes and a few days later, at which point I have to re-enter my payment details.