The 3D Secure liability shift is a rule protecting you from fraudulent transactions.
For example, if your consumer denies they authorised or made a purchase, (due to a lost or stolen card) and the 3D Secure authentication was successful (following either the frictionless or challenge flow), the liability for the payment shifts from you to the issuing bank.
If the 3D Secure authentication:
- was attempted but not successful
- could not be performed
the liability does not shift and remains with you.
For more information, see Liability Shift.