Why did I receive a chargeback on a 3DS transaction?

3DS liability shift is only a remedy against disputes with a fraudulent reason code. You can still receive chargebacks for consumer disputes on 3DS transactions, which you should defend.

Depending on the 3DS response, a liability shift may apply.

In some instances, the bank is not able to verify the 3DS authentication, there is no liability shift protection, and a chargeback with a fraudulent reason can be exercised.

In the Adyen Customer Area, we display a tick mark whenever a transaction has liability shift protection.

Some schemes do not support automated dispute defense, please contact us for these cases.

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