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Considering we have never had a chargeback in over 3 years of trading and over 14,000 orders we feel a little bitter about this - but that's progress eh?
Anyway, I'd like to know of anyones experiences of implementing 3D Secure. Did it have any effect on conversions etc?
Also we take a lot of orders by phone using the same web interface - we can't ask for the password when they call us!
We get a read out on each order that tells whether 3d secure was authenticated, not supported or skipped.
We do not automatically fail orders without 3d secure authentication - we manually review each one, which takes a moment or two at the time of repeating the payment.
The other thing is, so many big e-commerce sites use this now (Symantec web store, most of the online computer retailers, etc) that in our market (tech) I would think it looks worse to not have it.
For us - it's been fine.... your mileage may vary!
[edited by: RailMan at 9:28 am (utc) on Feb. 9, 2007]