Comment by sersi

I hate 3D secure, it's a way for banks to move the liability and inconvenience to me, their customers. In most implementation, I need to wait for an sms, often that sms takes ages to come.

Then there's a bit of a monopoly with 3d secure implementation by cardinal.js and their solution falls down completely if you have a decent amount of traffic on the site (I have worked on flash sales websites, cardinal js is about as reliable as I can throw my car)