November 12, 2026

AI / FINTECH / CRYPTO / TECH

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Stories: 3D Secure

Diagram of a card checkout passing an issuer check, with 3D Secure results split into two groups: authenticated and attempt_acknowledged move fraud liability to the issuer; exempted, data_share_only, failed and merchant-initiated payments leave it with the merchant.

Payment APIs · Nov 12

3D Secure Liability Shift: Which API Result Covers You

Which 3DS results in Stripe, Adyen and Braintree move fraud chargebacks to the issuer, and which leave them with you.