Buddy, let's take an example. Say PayTM. To recharge for 10 bucks, it takes up to 100s or more.
For what? 10 bucks? I have used PayTM hundreds of times, same account, same name, same IP address, same MAC ID, same IMEI. It is me, it's not a fraud.
In US, it takes 2s. There is No 2 step...