Going off this, requesting an email receipt is something that should probably be handled by Apple Pay/NFC payments and not an additional barcode. One touch, approved and receipt emailed (the pesky chips take too long to verify).
Just like everywhere else, American Banks don't understand two factor authentication and would rather just check the same factor twice for the appearance of security rather than actual security. The sad irony being that the lazy wait for wall clock time solution is slower than punching in a PIN would be.