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3DSecure is asked by the merchant, and if you haven't activated Certicode, then your bank doesn't have a dedicated authentication factor to use, so they can eit
by seszett 5y ago
3DSecure is asked by the merchant, and if you haven't activated Certicode, then your bank doesn't have a dedicated authentication factor to use, so they can either refuse payment or allow you to authenticate using your account password, they actually don't really have another choice.
In normal usage, you don't give any information anymore to the payment processor yourself (now that SMS authentication has been deprecated by law).
- Nextgrid 5y agoI believe that asking for 3DS offloads liability regardless of whether the bank actually supports it.
- sirn 5y agoIIRC, this depends on the card brand. Attempting to do 3-D Secure with non-enrolled JCB/Visa cards should result in a liability shift, AMEX/Diners only records the attempt, and MasterCard does not offload liability in such cases. (Though this may also vary by country.)