Absolutely; just to expand on the point - 3D secure is now prevenalant, if you just check for enrolment with 3D Secure - as a vendor you're generally no longer

Absolutely; just to expand on the point - 3D secure is now prevenalant, if you just check for enrolment with 3D Secure - as a vendor you're generally no longer liable to chargebacks (there are a few edge cases around pre-paid and commercial cards). It doesn't matter if the issuing bank is signed up or not. Paymill already support 3D secure - so I would have to imagine that stripe's 3D secure support can't be far behind.