I think 3DS may work better in Europe, but here in the U.S., it just doesn&#x27;t.<p>It requires the use of a password, and adds additional steps to the checkout process.  You can&#x27;t really make it mandatory on your store, as conversions&#x2F;sales would crumble.   So, you make it optional.<p>If it&#x27;s optional, only the most security conscious customers end up using it.  Those are the customers with the lowest risk of having their card info stolen, and the most likely to report it quickly if the info is stolen.<p>So it adds more protection around a tiny fraction of your sales...the sales that were already very unlikely to be fraudulent.<p>It doesn&#x27;t make any notable change to &quot;the cost of online fraud in the US is 100% on the merchant&#x2F;seller&quot;.