Why is there extra verification when I am making payments?
Banks have payment gateway that authorises credit card and debit card payments for online retailers like Bob Books. Sensitive information, such as debit/credit card numbers, need to be protected from fraudulent parties. It simply is an extra security check between the merchant and the customer's bank which in some instances require additional verifications.
As of the 14 March 2022, payment providers must comply with new fraud-prevention rules, known as 'Strong Customer Authentication (SCA)'.
Should you have any further questions, please get in touch with your card provider for clarifications.