When a business triggers 3DS verification, liability for fraud shifts from the business to the issuer in most cases. This applies whether or not your Issuing cards are enrolled in 3DS, meaning issuers can take on increased liability without any additional verification.
We recommend that you rely on our SCA Engine to automatically prompt your customers for authentication based on risk level and other requirements. However, if you wish to request 3D Secure authentication for all application payments, you can.To manage this setting, follow these steps: