<p></p>
<p>Thanks. Not so sure if that really is good for users. TW might be in a good position but if CC fraud happens the user might be liable.</p>
<p>See:<br>
<a href="https://www.cl.cam.ac.uk/~rja14/Papers/fc10vbvsecurecode.pdf" rel="nofollow">https://www.cl.cam.ac.uk/~rja14/Papers/fc10vbvsecurecode.pdf</a><br>
"3DS fixes the economics, at least for merchants and banks: merchants who adopt it gettransactions  treated  as  cardholder-present  transactions  with  much  less  risk  ofrepudiation,  while  banks  get  to  shift  liability  in  turn  to  customers.  (In  factthe ‘3D’ stands for three domains – the bank, the merchant and the paymentnetwork; the customer seems not to have been considered at design time.) Visa’smarketing emphasises VbV’s ‘global liability shift’ and claims that it ‘addresses’73% of merchant chargebacks."</p>

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