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Also, whether websites do or don't ask for it depends on their (and their merchant banking) risk appetite. Sometimes banks make it mandatory, sometimes not. It

by wgx 14y ago

Also, whether websites do or don't ask for it depends on their (and their merchant banking) risk appetite. Sometimes banks make it mandatory, sometimes not. It's not * required* to make a transaction, it merely offers an (optional) extra level of security.

teamonkey 14y ago
Banks can also charge different amounts to the retailer depending on the level of security they provide.
- wgx 14y ago
  Yup, correct. 3D Secure falls into this category too. Also, the banks will offer differing levels of chargeback cover based on these factors.