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You are Completely wrong :-)
it seems You are mixing things altogether, 3D Secure payment is the best way to avoid fraud or chargeback, which means when person pay and verifiy his payment. he can t chargeback or ask for refund, due thier policy and rules.
I have a game website under 3d secure payment and am running it for almost 1 year and never have singal chargeback but in porn it s different that is why am seeking 3d secure payment adult paysite.
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