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Strong Customer Authentication - a better way for older folk
The problem with the PAYG model is that things are prone to expire after a period and you wind-up getting cut-off! But providing that we can find an old 'phone, whether we choose a SIM only contract or a PAYG SIM the cost will be a few pounds per month. And that's my problem - easily solved.
I remain disappointed by the attitude of the bank - they see themselves as a digital bank and simply don't want to support non-digital customers ...
But she already has a mobile phone you said? Why are you thinking it would be an additional mobile and an additional cost beyond the initial purchase?
She clearly has internet on her computer given we are talking about online payments so surprised she doesnt have wifi already but in the unlikely event that she doesnt then many ISPs will sent out a free new router with wifi.
Amazon never seem to bother authenticating my cards after I've used them once. I don't use Amazon Prime Grocery shopping but perhaps that would suit the OP's mother?