{"id":2467,"date":"2025-09-24T13:39:18","date_gmt":"2025-09-24T03:39:18","guid":{"rendered":"https:\/\/www.gpayments.com\/blog\/?p=2467"},"modified":"2025-09-24T14:45:02","modified_gmt":"2025-09-24T04:45:02","slug":"3d-secure-liability-shift-in-the-united-states-whats-covered-and-what-isnt","status":"publish","type":"post","link":"https:\/\/www.gpayments.com\/blog\/article\/3d-secure-liability-shift-in-the-united-states-whats-covered-and-what-isnt\/","title":{"rendered":"3D Secure Liability Shift in the United States: What’s Covered and What Isn’t"},"content":{"rendered":"\n\n\n

3D Secure (3DS)<\/a> can move fraud liability off the merchant and onto the issuer, but only in specific cases. This article explains when liability shift<\/a> applies in the US, when it does not, and what evidence your team should include when a dispute lands.<\/p>\n

What ‘Liability Shift’ actually means<\/h2>\n

With successful 3DS<\/a> authentication, certain card-not-present fraud<\/strong><\/a> disputes shift from the merchant to the issuer. The exact conditions depend on the network program (Visa Secure, Mastercard Identity Check) and how the transaction was authenticated.<\/p>\n

When does Liability Shift usually apply<\/h2>\n