Include information about what was ordered, how it was delivered, and whom it was delivered to (whether it was physical or electronic goods, or services). To prevent no-reply chargebacks on 3DS charges, be sure to submit sufficient information about the charge. Although the cardholder’s bank isn’t allowed to file an upfront financial chargeback for fraud, they can initiate a financial chargeback if the merchant doesn’t respond to the inquiry, known as a no-reply chargeback. Responding to inquiries is important for any charge, but is vital when it involves a 3D-Secure-authenticated charge. This type of dispute is non-financial, and is basically a request for information. There are also some industries that certain networks have exempted from liability shift-for example Visa doesn’t support liability shift with businesses engaging in wire transfer or money orders, non-financial institutions offering foreign or non-fiat currency, or stored-value card purchase or load.Īlthough cardholders can’t dispute payments that have been successfully authenticated using 3DS as fraudulent with an upfront financial chargeback, issuers might initiate a dispute inquiry. This is rare and can happen, for example, if you have an excessive level of fraud on your account and are enrolled in a fraud monitoring program. Sometimes payments that are successfully authenticated using 3DS don’t experience a liability shift. Although the cardholder didn’t complete 3DS authentication, liability still shifts to the issuer. During the payment process, the cardholder isn’t prompted to complete 3DS authentication, because the card isn’t enrolled. This can happen if the issuer’s 3DS server is down or if the issuer doesn’t support it, despite the card network requiring support.
Liability shift can also occur when the card network requires 3DS, but it isn’t available for the card or issuer.
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