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May 2, 2023 · A successful liability shift is crucial for merchants who accept credit and debit card payments. Achieving a successful liability shift can help protect merchants from chargebacks and fraud losses and ensure compliance with PCI standards. To achieve a successful liability shift, merchants must upgrade to EMV-enabled technology, implement strong ...

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Generally speaking, the rules are as follows: If a card issuer confirms that a card is enrolled under 3D Secure and the cardholder authentication is successful, then the liability shifts from the merchant to the card issuer (e.g. bank). The guidelines suggest that the merchant proceeds with authorisation of the payment.

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