With online payments I had a different experience. Tried to pay in a store that had coinbase payments with a binance account. So many issues:

- The QR code to pay didn't work with the binance app

- Had to find a way to copy the hash tag of the account from desktop to mobile to pay (luckily if you have a macbook pro and iphone this is easy)

- Initially chose the incorrect network for payments on binance so the transfer didn't go through. Had to read online which network to select.

With a card payment is normally just putting the cards details and in a few cases do an additional authentication.