What is the 3D Secure liability shift, and when does it occur?

3D Secure liability shift occurs when the liability for fraudulent chargebacks (stolen or counterfeit cards) shifts from you to the card issuer.
It occurs when 3D Secure payment is successfully authenticated for one of the following card schemes:
  • Mastercard
  • Maestro
  • Visa
  • American Express
  • Bancontact
  • Cartes Bancaires
  • JCB
  • UnionPay
There is no liability shift for recurring transactions. For details on the exact rules of when liability shift occurs, please refer to: 3D Secure chargeback liability shift rules.
There are some other situations where the 3D Secure liability shift occurs. These depend on the acquirer and combination of 3D Secure responses. For more information, contact Support.

How to check whether a liability shift occurred

You can check whether there was a liability shift for a specific payment in the Customer Area. Go to TransactionsPayments > [PSP Reference]. You can see whether there was a liability shift under Processing:
Green_tick.png There was a liability shift to the card issuer 
Red_cross.png There was no liability shift
grey_cross.png Liability shift was not available


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