3D Secure is a protocol for additional authentication of online card payments. It helps verify that the payer is entitled to use the card and can support strong customer authentication. Authentication is distinct from authorising the payment amount.[1][2] Not every transaction consequently requires a visible extra challenge.
A merchant still needs to follow the payment status after authentication; successful verification is not a bank payout. Some transactions qualify for a shift of liability for certain fraudulent chargebacks to the issuer.[1] That is not blanket protection against delivery, quality or other disputes.
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