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Just a question regarding 3D secure
I've been recently reviewing some transactions and see an account that has a clear fraud pattern. Multiple names on cards attempted in a short sequence incl. female names etc.
However, what surprised me is many of these purchases (incl. those that were immediately reported to the biller by its cardholder for refunding) went through as 3D Secure.
These were $ 100 token packages so this should require a 3D secure verification. Of course this may differ depending on the issuing bank, for example with my bank I have it set so that an SMS verification is required with any online purchase over $ 25.
So how come these $ 100 packages went through as 3D secure if carded? All these cards were US and Canadian.
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