Why would 3D-Secure work better in Europe than in the United States? I fail to understand that from reading your comment. Yes, it requires extra authentication

Why would 3D-Secure work better in Europe than in the United States? I fail to understand that from reading your comment. Yes, it requires extra authentication (My issuing bank has chosen password as the auth - some others use the bank code boxes for One Time Tokens). All online stores that I routinely buy from in Sweden and in Europe have 3D-Secure turned on. The only exception I've encountered is an airline. The customers don't get to choose - it's not optional for customers. It's optional for merchants/shops. If they however disable 3D-Secure: They're liable though.