I recently had the insane experience of filling out 15 consecutive captchas, after, I had checked out and entered my payment information into the payment processor widget. I just wanted to submit the order. I was logged in to their website, and the bank even needed a one time code for payment. If the bank is pretty sure I am human then your ecomm site can figure it out surely.

That's my favorite combination: Shitty bot detection meeting shitty payment security systems.

At least outside the US, there's 3DS as an (admittedly often high friction) high quality cardholder verification method, but in the US, that's of course considered much too consumer-hostile, so "select 87 overpasses" it is.

A while back I was buying tickets for a gondola for a trip in Europe and the checkout process failed during payment because their site didn't load their analytics/tracking stuff with proper error-handling, so when my ad-blocker prevented the tracking stuff, their checkout process failed to handle my CC's 2-factor auth and the checkout would fail. Had to contact my CC company and work with the gondola company to tell them what they're doing wrong so they could fix their website code. Pretty sad to know whoever built their stuff actually shipped a checkout flow (for a VERY popular tourist destination) without testing with ad-blockers enabled.