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Aug 2, 2021 · The liability moves from the merchant to the card issuer if a card issuer confirms that a card is enrolled in 3D Secure and the cardholder authentication is successful (e.g., bank). The merchant should proceed with the payment approval according to the requirements.
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Generally speaking, the rules are as follows: If a card issuer confirms that a card is enrolled under 3D Secure and the cardholder authentication is successful, then the liability shifts from the merchant to the card issuer (e.g. bank). The guidelines suggest that the merchant proceeds with authorisation of the payment.
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