So with the understanding that the best login system is the one to which you're already logged in, I thought, "Maybe I should support this Apple Pay and Google Pay nonsense." Let people check out with the card that's already loaded into their phone instead of making them type in the card number again, or create a new account on my site.
I've put about 16 hours into the Apple Pay side of this already, and I'm not sure I'm even halfway done.
Getting a credit card nonce from authorize.net is like, 20 lines of code. Getting a nonce from Apple is hundreds, and takes multiple round-trips. Plus it requires managing a whole new set of certificates that expire once a year. I haven't even started on Android yet, but it looks to be equally complicated but of course in utterly different ways.
I think it might be time to just say "ha ha ha, no" and just delete all this code.