3-D Secure is a card authentication anti-fraud protocol developed by Visa and MasterCard to verify a shopper’s identity during online shopping and before merchant submits an authorization request. 3DS statuses indicate whether and how the payment should be processed and also define who has the liability in case of fraud-related chargebacks.
||3DS status description
||Fully authenticated 3DS payment, cardholder was successfully authenticated. In the case of fraud-related disputes the liability shifts to the issuer.
||The issuer is not able to authenticate the cardholder as the cardholder’s password (or other authentication information) failed or cardholder has disabled the 3DS authentication. As a failed authentication result the payment is also failed.
||Merchant attempted to authenticate the cardholder but was unable because either the issuer or the cardholder is not participating in 3DS or issuer’s authentication server is not responding. In the case of fraud-related disputes the liability shifts to the issuer.
||Cardholder enrollment or authentication could not be performed due to system failure. Payment is processed without 3DS authentication. CB liability is at merchant side.