Does anyone else feel like websites nowadays feels very broken compared to apps? Like you try to do transactions on the mobile site (eg: ordering food), and payments mysteriously declines...

My wild guess: Is everyone now just using apps for every single little thing? So now using the mobile site is considered "fraud behavior" and using apps is "normal"? Like is this what their "fraud detection system" do now?

Like the same card works when you order it at the counter in store... why did the site reject it? it literally worked before on that same site...

Tries a bunch of different cards, also declines...

But those same cards do work on other sites...

Like...

I feel like when you

1. Use their appand
2. Create an account

you're less likely to face problems...

But using mobile website + guest checkout is very likely to get flagged for some stupid reason...