Chargeback Liability Shift with 3DS

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