Liability shift for cards
From the date you're enabled for 3DS authentication, you are no longer liable for certain fraudulent chargebacks when a cardholder denies they made the purchase.
This table shows the general eligibility of transactions for liability shift, involving both personal cards and commercial cards. These rules apply to Visa and Mastercard for any region, to American Express for SafeKey supported regions, and to JCB for J/Secure supported regions:
|Scenario||MPI Response||Is the transaction eligible for liability shift?||Result|
|3D Secure||Issuer participating||Fully authenticated||PARes = Y||Yes||Cardholder authenticated|
|Attempted authentication||PARes = A||Yes||Authentication offered but not used|
|Authentication failed||PARes = N||No||Authentication Failed|
|Authentication error||PARes = U, VERes = U||No||
|Issuer not participating||VERes = N||Yes||Authentication offered but not used|
|Not 3D Secure||Not applicable||No||Ecommerce|
Warning: Exceptions to the rules may exist for certain schemes in certain territories under certain programs. For details of any restrictions that may apply to your environment, please contact your acquirer.
For Visa, Maestro, Mastercard, JCB and American Express, card protection may be contingent upon you taking reasonable measures to control fraud. If your fraud levels are unreasonably high you may forfeit the benefits of chargeback protection.
These restrictions apply to Visa, Maestro, Mastercard, JCB and American Express:
|Installation or Service type||Reason|
|Corporate Gateway Call Centre (MOTO)||The cardholder isn't able to enter their authentication details.|
|Recurring Payments (PayAsOrder)||Except for the first transaction (or if a cardholder changes their card details and makes an immediate payment), the cardholder isn't present to enter their authentication details.|
|C - level, S - level or A - level service||On these service levels you're using your own acquirer, and so you may need to contact them to enable the service. Service levels are explained in the payment process.|