Rejected payment in app and was still approved

I was asked to approve a payment in the app, but chose to click the reject option. I was then asked for a reason, and I indicated that it was no longer wanted.

At this point I expected the payment to be rejected, but it immediately went through, and the commerce website I was using updated as if the payment was approved.

3DS is purely a liability shift from merchant to issuer.

We can return a fail result and the merchant can still choose to continue to authorization - they just assume fraud liability at that point :+1:

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Could there perhaps be something on the screen to inform the user that?

Bit of a long message to fit in

Happens very rarely as well :slight_smile:

Since PSD2 is soon going to make SCA mandatory online, I don’t think this will be a huge problem going forward

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