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Think Stripe already support this out of the box https://docs.stripe.com/payments/3d-secure. I think this is also a legal (maybe not legal but financial regulator or whatever there called) requirement in the UK so most if not all payments use it?

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The EU requires 2FA because of the PSD2 directive. In practice, that means that 3D Secure is needed for a huge proportion of card payments in the EU. Stripe definitely supports it, they wouldn’t be able to compete in the EU otherwise.

Last time it was BackerKit and there was no trace of 3d secure...

Maybe it's BackerKit's choice. I don't know.

Does a Stripe implementer have to do extra effort to have 3d secure?

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