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3-D Secure is not a european only thing. If someone successfully signs up with 3-D Secure, the onus is on the issuing card's bank, not the merchant, so that would be ideal.

The problem we ran into was that since the 3-D Secure verification (which is a page you redirect the surfer to, or an iframe or similar) is handled by the credit card issuing bank, each page is different, and since no one actually uses 3-D Secure, when we tried to implement it, it mostly didn't work.

Reducing chargebacks is great, but if you lose 30% of your sales by redirecting them to broken pages, it defeats the purpose.

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