Yes, 3D secure leads to a different liability layout. Stores that don't implement it face liability on chargeback, whereas stores that do use it are protected, and the banks themselves take liability.
At least that's my understanding of it, might not be that clearcut.
Oh wow, now I'm even more amazed that more stores don't support it. I guess chargebacks aren't common enough to be worth paying a dev to upgrade their systems...
At least that's my understanding of it, might not be that clearcut.