What is liability shift?
What is a change of responsibility?
If you have 3DS security enabled, you are no longer liable for certain fraudulent payments when the cardholder denies having made the purchase. Mastercard SecureCode, verified by Visa, American Express SafeKey and JCB J / Secure are all authentication schemes for 3DS card holders that help the card issuer to authenticate the identity of the cardholder when making a purchase on the Internet. If authentication is completed, any liability for any subsequent payment associated with fraud under this transaction is transferred from you to the card issuer.
Cardholder authentication schemes are applicable only to Internet transactions and do not cover MOTO orders or recurring payments, as the client can not enter their authentication data.