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lxgryesterday at 11:25 PM1 replyview on HN

Capital One also offers it for their credit cards, which makes them the only ones usable in countries where requiring 3DS is common. (No idea why this is a thing actually – merchants get the fraud chargeback liability shift as soon as they request 3DS, whether the issuer actually supports it or not.)

The real problem is that in the US, almost no merchants request it in my experience, despite the fact that they'd get an almost free (in terms of conversion rate dropoff) liability shift. I suppose the few US issuers that do support it have a bad enough implementation that the conversion drop is still significant.


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rstupekyesterday at 11:55 PM

Yeah from a software dev perspective the implementations are shockingly terrible from a UX perspective. I'm surprised Stripe doesn't make it automatic with their integration

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