Payment ecosystem is so complex and convoluted that it is hard to tell. I was using my Visa card for years on Steam and all of a sudden Steam started refusing it. Steam support was repeatedly telling me that the problem is not on their end but on my end. At the end I figured out that I need to enable Visa 3D Secure feature on my credit card because I assume Visa was seeing a lot of fraud from Steam so they started requiring 2FA for Steam payments.

Also Bandcamp.com refused to accept the payment from my credit card and I contacted my bank and they told me that payments to Bandcamp are always blocked because of security reasons(that is their policy) and they had to manually approve my credit card for use on Bandcamp....which is totally fu*king crazy. Manually approving payment transactions in the 21st century is wrong. How the hell should I know which vendors are on my bank's blacklist?!

Tbh or at least that's my impression all comes down to the problem of fraud and crime. That's why we still have shitty payment providers and processors.