[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"questions:item:en:who-is-liable-for-a-fraudulent-payment":3},{"id":4,"title":5,"answer":6,"body":7,"category":71,"description":72,"extension":73,"meta":74,"modifiedAt":75,"navigation":76,"pairId":77,"path":78,"publishedAt":79,"question":80,"relatedPath":81,"seo":82,"seoTitle":83,"sitemap":84,"slug":85,"stem":86,"translationSlug":87,"__hash__":88},"questions_en\u002Fen\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment.md","Who Is Liable For A Fraudulent Payment","Liability depends on whether the operation was confirmed through 3-D Secure. If the buyer passed confirmation at their bank, the fraud risk shifts to the issuing bank. Without confirmation, a disputed operation will most likely be charged back to the merchant.",{"type":8,"value":9,"toc":65},"minimark",[10,13,18,41,45,56],[11,12,6],"p",{},[14,15,17],"h2",{"id":16},"how-it-works","How it works",[19,20,21,29,35],"ul",{},[22,23,24,28],"li",{},[25,26,27],"strong",{},"With confirmation."," The buyer bank verified the identity, so it answers for a disputed operation.",[22,30,31,34],{},[25,32,33],{},"Without confirmation."," The merchant took the risk, and a dispute returns the money at their expense.",[22,36,37,40],{},[25,38,39],{},"Exceptions."," Some categories and operation types are governed by separate payment system rules.",[14,42,44],{"id":43},"what-it-means-in-practice","What it means in practice",[19,46,47,50,53],{},[22,48,49],{},"Turning 3-D Secure off for conversion trades a few percent of declines for the full cost of disputes.",[22,51,52],{},"Dispute rates run higher for intangible goods: fulfilment is harder to prove.",[22,54,55],{},"The documents you collected for the order are the merchant only argument in a dispute.",[11,57,58,59,64],{},"How to dispute a chargeback and what to collect is covered ",[60,61,63],"a",{"href":62},"\u002Fen\u002Fquestions\u002Fhow-to-dispute-a-chargeback","separately",".",{"title":66,"searchDepth":67,"depth":67,"links":68},"",2,[69,70],{"id":16,"depth":67,"text":17},{"id":43,"depth":67,"text":44},"security","Liability depends on whether 3-D Secure confirmation took place. When the loss falls on the merchant and when it falls on the bank.","md",{},null,true,"question-36","\u002Fen\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment","2026-08-17","Who is liable if a payment turns out to be fraudulent?","\u002Fen\u002Fcard-payments",{"description":72},"Who is liable for a fraudulent card payment",{"loc":78},"who-is-liable-for-a-fraudulent-payment","en\u002Fquestions\u002Fwho-is-liable-for-a-fraudulent-payment","kto-otvechaet-za-moshennicheskiy-platezh","2wtBEQpMkZDVzB6G0pGjr954wtta9AjhOQ1oTL910_0"]