Are you sure about that? The Verified by Visa site says that the liability shift is to the card issuer, not to the consumer:<p><a href="https:&#x2F;&#x2F;usa.visa.com&#x2F;run-your-business&#x2F;small-business-tools&#x2F;payment-technology&#x2F;verified-by-visa.html" rel="nofollow">https:&#x2F;&#x2F;usa.visa.com&#x2F;run-your-business&#x2F;small-business-tools&#x2F;...</a>