3D secure is not very user friendly at all. Most users aren't setup with 3D secure details or have forgotten the necessary details to use it. Perhaps it's a go

3D secure is not very user friendly at all. Most users aren't setup with 3D secure details or have forgotten the necessary details to use it. Perhaps it's a good idea in principle, much like OpendID, but in the real world it's a pain to use for everyone involved.