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I contacted my merchant account bank and asked them if I need this feature for online purchases. They told me no I absolutely don't need it. It is in their interests that I keep my chargebacks low so I will go with their opinion. Also Matt you said:
We have historical data from the EU, Australia, and Canada that when EMV went live the hackers moved online. Merchants saw an increase in online fraud by upwards of 40%.
We accept payments from all over the world and have been for 17 years. If anything I've seen a decline in chargebacks.
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