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Can someone please explain why we still have chargebacks in 2025? Don't accept cards without 3DS, problem solved. If not, why not? Are some important consumer segments still stuck with cards that don't have it?

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Chargebacks aren't just for stolen credit cards, but also fraudulent merchants.

If I buy a physical good with a credit card, and the merchant either never sends me anything, or sends me an empty box and ignores my emails, well, that's a use-case for chargebacks. 3DS doesn't help with that.

Also for merchants that are just too dysfunctional to do the right thing. A while back, I ordered a phone online from Best Buy, and they shipped me a different model from what I ordered. I contacted their customer service, who told me to mail the phone back for a refund. I did so, and then they mailed it right back to me with a note saying they couldn't accept the return because I'd sent them a different item from the one I ordered. (No shit: that's why I needed to return it!) They didn't have fraudulent intent, I'm sure; one hand just didn't know what the other was doing. A chargeback resolved that situation, and I'm very glad I had the option.

Chargeback is not just for when your card is stolen. It’s also for e.g. when you never received your order, or your order is substantially different from what’s promised. It’s basically a last resort customer service option.

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