(Tell HN:)

Also:

> Yet, many online services are giving me hell with their "smart" anti fraud detection and things like that

To provide a contrarian opinion, credit card testing, free trial abuse, and other forms of fraud are a thing, so companies usually have to layer other anti-fraud mechanisms on top of 3D secure.

That being said, what service are you facing issues with? I do see Amazon as one of the listed services, but they do eventually remove such suspensions. (My experience was with AWS though.)