> they've never supported 3-D Secure
That's a feature. It's a horrible system which I wish nobody ever used. I've literally never been able to successfully complete a transaction.
That's a feature. It's a horrible system which I wish nobody ever used. I've literally never been able to successfully complete a transaction.
But in France and the UK it's pretty standard; cardholders are used to it, and issuers make an effort to decide whether it's worth requiring authentication.
Personally, I will never use a 3D Secure system these days. If you require it, I'll simply skip purchasing.
Even if you're in a normally low-fraud market, as every business I work with that takes card payments is, almost anyone taking small value card payments on-line is vulnerable to being used as a card testing engine if their system can be automated. If nothing else, being able to toggle the extra check on temporarily if you become aware that your system is being abused that way is an extra level of security you can apply in a hurry.