Liability Shift

what is liability shift? the 3d secure liability shift is a rule protecting you from fraudulent transactions for example, if your consumer denies they authorised or made a purchase, (due to a lost or stolen card) and the 3d secure authentication was successful (following either the frictionless or challenge flow), the liability for the payment shifts from you to the issuing bank if the 3d secure authentication was attempted but not successful could not be performed failed the liability does not shift and remains with you when liability shift does not apply liability shift does not apply to transactions where authentication is not performed when exemptions to sca docid\ saseq4ppwbnsjt if 0kx are used merchant initiated transactions docid\ ek1dldo8cgr9di226zlyf recurring merchant initiated transactions docid\ ek1dldo8cgr9di226zlyf moto