How does 3DS 2.0 affect merchants?

3D Secure 2.0 (3DS 2.0) introduces significant benefits and some changes for merchants in the e-commerce space.

3DS 2.0 provides enhanced security measures that significantly reduce fraudulent transactions. By verifying the cardholder's identity during the transaction process, merchants face fewer fraud-related complaints.
With stronger authentication, the risk of chargebacks due to fraud is minimized. This means merchants are less likely to be held liable for unauthorized transactions.

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