zlacker

This isn't Stripe's fault here, but if to make a payment online you need to track everyone just to make sure the transaction isn't fraud, then the system is broken.

Why can't online payments use a use two-factor authentication by default?

>>toaste+(OP)
Because, "business". That is, sales will drop for anyone who does this.

That's friction that will reduce sales, and online sellers will move to a provider that does not do this. Stripe would go out of business if it made it more difficult to buy things.