Congratulations to both of you for missing the point of the OP’s post.
Originally posted by Chino
I wasn’t aware Mastercard/Visa were doing two factor auth, but if they are then that’s great as the improved security is only a benefit and is designed to help combat fraud.
The problem is not with Mastercard/Visa or their bank, but with their phone carrier / phone device. They are correct to use two factor auth to help bolster security. Otherwise you’ll end up with posts titled “help, my bank auth’d 2,000 transactions online abroad that I didn’t make” or “My urgent transaction was blocked by the automatic anti-fraud system” – Two factor auth proves you auth’d it so the later, which is commonplace now, becomes redundant.
They need to find out why they are not receiving texts, which is rather odd.