Chargeback Liability Shift with 3DS

November 6, 2023

Merchant Benefits

In 3DS 2.0 and later versions, the issuer will become liable for any fraudulent transactions authorized under the protocol.

Merchants are:
  • Not attacked by fraudulent transactions
  • Not required pay for chargebacks
  • Not required to deal with chargeback processes

Without 3DS

Without 3DS 2.0 and later versions' support, merchants are at the risk of fraud.

Merchants have to:
  • Be unprotected from E-Commerce fraud
  • Pay for fraudulent chargebacks
  • Deal with time-consuming chargeback disputes

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