Yeah, the good version of 3-D Secure does exist in the US, but it’s rare as you say. If the vast majority of US cards don’t have it, including many from major i

Yeah, the good version of 3-D Secure does exist in the US, but it’s rare as you say. If the vast majority of US cards don’t have it, including many from major issuers, then the problem isn’t really solved for merchants (in any country!) who accept US cards.