3-D Secure v1 Liability

Following a transaction processed using 3-D Secure v1, in the event of a dispute with the transaction at a later date, the card issuer may take financial responsibility for the chargeback as indicated in the table below:

  Successful authentication of a transaction does not guarantee the liability shift. The card issuer can still decline the payment.

  The criteria used to determine the liability is determined by the acquirer and is subject to change. As such, the information presented here may be subject to exceptions, depending on the parties facilitating the payment. For clarification, we recommend contacting your acquirer.

Payment brand Enrolled Status Liability
3ds-liability-visa.png U Merchant
3ds-liability-visa.png N Issuer
3ds-liability-visa.png Y Y Issuer
3ds-liability-visa.png Y N Merchant
3ds-liability-visa.png Y A Issuer
3ds-liability-visa.png Y U Merchant
3ds-liability-mastercard.png U Merchant
3ds-liability-mastercard.png N Issuer
3ds-liability-mastercard.png Y Y Issuer
3ds-liability-mastercard.png Y N Merchant
3ds-liability-mastercard.png Y A Issuer
3ds-liability-mastercard.png Y U Merchant
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