![]() This type of dispute is non-financial, and is basically a request for information. There are also some industries that certain networks have exempted from liability shift-for example Visa doesn’t support liability shift with businesses engaging in wire transfer or money orders, non-financial institutions offering foreign or non-fiat currency, or stored-value card purchase or load.Īlthough cardholders can’t dispute payments that have been successfully authenticated using 3DS as fraudulent with an upfront financial chargeback, issuers might initiate a dispute inquiry. This is rare and can happen, for example, if you have an excessive level of fraud on your account and are enrolled in a fraud monitoring program. Sometimes payments that are successfully authenticated using 3DS don’t experience a liability shift. ![]() Although the cardholder didn’t complete 3DS authentication, liability still shifts to the issuer. During the payment process, the cardholder isn’t prompted to complete 3DS authentication, because the card isn’t enrolled. This can happen if the issuer’s 3DS server is down or if the issuer doesn’t support it, despite the card network requiring support. Liability shift might also occur when the card network requires 3DS, but it isn’t available for the card or issuer. As such, you should make the appropriate decisions regarding your business and how you manage disputes if they occur, and how to avoid them completely. ![]() If a customer disputes a payment for any other reason (for example, product not received), then the standard dispute process applies.
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