We run a single product web store in India that has modest monthly transaction volume and care about the user experience a lot.
All processors are required to do 3D Secure verification. Local processors have integration for NetBanking. International ones are card only but may have better developer experience. Apple Pay uses 3D Secure too but bypasses two-factor verfication by tokenization.
Reliability/sucess rate is no longer as big of a deal with most competent processors. We've found the need to build custom tooling and abuse data more important for the Indian ecosystem.
All processors are required to do 3D Secure verification. Local processors have integration for NetBanking. International ones are card only but may have better developer experience. Apple Pay uses 3D Secure too but bypasses two-factor verfication by tokenization.
Reliability/sucess rate is no longer as big of a deal with most competent processors. We've found the need to build custom tooling and abuse data more important for the Indian ecosystem.