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Phishing is a social engineering attack that used to steal personal data, such as login credentials and credit card numbers, by tricking users into sharing their private information.

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

Strong Customer Authentication(SCA) is a regulatory requirement to reduce fraud and further secure online,contactless payments.

This is when the issuing bank does not grant approval to the payment. They are permanent authorization failures and retries are not suggested.