Having been in the Bitcoin space, doing legacy online payments stumps me every time.

For the equivalent of a zap (we know how easy it is), I have to login to my custodial "wallet" account, which has logged me out for some reason.

The login requires a password that I must fetch from my password manager.

Then I need to 2fa, so I need to copy and paste the pin.

Then I can proceed with the payment, which requires me to login again (now in the web), which sends me another 2fa code (the transaction's 2fa code) that I need to copy and paste.

Cards (Visa/Mastercard) are easier but still have their frictions. Not to mention the extremely bad and unsafe pull-based model, in contrast to cash and Bitcoin.