Does copy/paste not work? do they include QR codes you can scan on the phone? And finally... you can store much of that in your password manager, so it is handy. Of course, if you are dealing with unique systems each time, it gets harder. But then I pay THOSE bills with paper checks. And if they contain a barcode for only them... I damage it, so they feel my pain. And I write QR Code Plz on the check and the bill. Since most companies are forced to MANUALLY process the payment and review why... Ie, make THEIR problem a problem for them. FWIW, Discover has a note to NEVER give me a card again b/c they pissed me off! LOL

Let the developer decide. You are writing an api, right? Choose a default. Allow for the opposite value. Complete the easiest path. By then, reality should be more clear. If not, implement the other path, and repeat the thought process. Finally, how is it handled in other OSes? Older systems? Maybe they were right? Good luck!