What is the 3D Secure liability shift?

The 3DS liability shift rule

The 3D Secure (3DS) liability shift is a rule that protects you (the merchant) from fraudulent transactions.

The liability for fraudulent chargebacks shifts from the business to the card issuer when the 3DS liability shift applies. For example, if a shopper denies they made or authorized a purchase (lost or stolen card), the liability for the fraudulent chargeback shifts from you to the card issuer.

When does the 3DS liability shift apply?

As a general rule, the shift applies when a 3DS payment is successfully authenticated for one of the following card schemes:

  • Mastercard
  • Maestro
  • Visa
  • American Express
  • Bancontact
  • Cartes Bancaires
  • JCB
  • UnionPay

Note: The 3DS liability shift doesn’t apply to recurring transactions.
Tip: The 3DS liability shift can also apply to other situations that depend on the acquirer and combination of 3DS responses.
Tip: For more information, see 3DS chargeback liability shift rules.

Check if it applies to your transactions

  1. Log in to your Customer Area.
  2. Select Transactions > Payments.
  3. Select the right payment using the PSP Reference.
  4. See in Processing if the liability shift applies:

There was a liability shift to the card issuer


There was no liability shift


Liability shift was not available


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