Comment by SXX

This is not mandatory by law though and mostly it's up to merchant to decide whatever they require 2FA or not. AFAIK payment processors like Stripe actually let you make 3DS (and whatever it called for MasterCard / AMEX) mandatory.

I guess problem is that in US you'll lose a lot of customers by declining payments without 2FA. Also likes of AMEX use 2FA via email so I guess there could be fraud too.