It adds liability shift, which is what the merchant needs. The card company will eat the loss if you meet the criteria. It's better than not having it, but thei

It adds liability shift, which is what the merchant needs. The card company will eat the loss if you meet the criteria. It's better than not having it, but their criteria isn't without holes, and when it's a feature on the customer's card, you can't expect them to always have it.