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I've experienced 3D secure and verified by visa effectively insulating a merchant from chargeback risk (I'm talking 99% success rates winning chargebacks). You'

I've experienced 3D secure and verified by visa effectively insulating a merchant from chargeback risk (I'm talking 99% success rates winning chargebacks). You're right, it is incredibly user-hostile and truly painful to integrate (as compared to Stripe) but if you're in a business that sees a lot of people trying to rip you off it works wonders.

wmf 10y ago
It works wonders in eliminating chargebacks by also eliminating legitimate customers?
- detaro 10y ago
  Fewer customers but a lot less fraud could very well be the more profitable and safe option.
  - morgante 10y ago
    Perhaps, but it's important to actually run that calculation. After all, shutting down web payments entirely would totally eliminate fraud—but also cripple your business in the process. Personally, I will never use a 3D Secure system these days. If you require it, I'll simply skip purchasing.
- ryanlol 10y ago
  You only display it to risky customers?