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Happens most of the time I spend a few hundred dollars or more with N26 (Germany), Revolut, ING Direct (Australia) and Nubank (Brazil). OTP via their mobile apps (or SMS fallback).

1. Ye, it'd be great if I could configure it to do 2FA on all online transactions. Does anyone know what exactly triggers 2FA?

2. I have an account with BTG Pactual (Brazil) and their virtual card gets a new CVC after each transaction, pretty cool.

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> Ye, it'd be great if I could configure it to do 2FA on all online transactions. Does anyone know what exactly triggers 2FA?

AFAIK, 3DS is opt-in on the merchant side, as it requires integration work. Visa & MS are pushing the envelope by only insuring against fraud if 3DS is properly setup. If the merchant chooses not to implement it (and some have decided not to, to reduce checkout friction), they have to bear the financial risk of the fraudulent transactions.

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