Liability shift with frictionless flow for 3D Secure v2 (3DS2)

Liability shift occurs when Stripe attempts 3D Secure authentication, the customer authenticates, and that information is transmitted to the card issuing bank. In this case, the bank is liable for any fraudulent-type disputes filed. In rare cases, payments that are successfully authenticated using 3DS don’t experience a liability shift. See more about these exceptions here.


If an exemption is requested, such as the Merchant Initiated Transaction or Mail Order/Telephone Order exemptions, and it is approved by the bank, these do not shift liability from you as the merchant. The only way to obtain a liability shift is to have the customer authenticate via 3DS.

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