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miav | 2 years ago
Even if it was just 1% of users, outright ignoring their issues is not acceptable. And far more than 1% travel abroad or do other suspicious activity (such as buying things at a place you’ve never purchased from before).
And there are services that handle this correctly. Starling bank (UK) is a fave of mine. Confirm in an app, enter full password in some cases, but that’s it. I had to make some sketchy looking transactions and no matter, they never block your account or make you jump through additional hoops.
Nextgrid|2 years ago
That's only on the bank's side. There's a major problem where the merchant later cancels the transaction on their side despite successful 3D-Secure.
Either 3DS doesn't actually offload liability (so even accepting a fully 3DS-verified transaction is a risk), or merchants aren't up to date on what they are and aren't liable for.