[initram]

Here in the US, users avoid Verified by Visa (which I believe is the same thing) because it moves the burden of fraud onto the end user. Whenever that VBV page comes up, I immediately abort. I don't trust companies to keep my card data safe, so if the burden is suddenly on me, I'll just go without whatever I was going to buy if I can't get it elsewhere. It's that big of a deal. This is before we even get to technical issues or the UI/UX flow.

[the_mitsuhiko]

That's misinformation. It only shifts for 3d secure transactions work require another info that is not sent to your merchant. So the only way this fails if your bank had a bad 3d secure page or your fucked up.