Comment by ryukafalz

I just recently, in the US, got bounced through a bank authentication system (Wells Fargo's) when trying to order something from Amazon that required me to use their mobile app. I don't use an Android or iOS phone; as best I can tell there is no way to successfully complete that authentication. I even have a hardware TOTP token from the bank now, but even that they won't accept.

Now, my card info did in fact get compromised recently, and that's probably why I ended up needing that stronger auth flow. But the fact that I literally can't complete that stronger bank authentication without Google or Apple is... yeah. No.

I have since signed up for a different credit card that I plan to use from here on out.