What is a liability shift for enrolled card - 3
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Since the merchant does not know this password and is not responsible for capturing it, it can be used by the card issuer as evidence that the purchaser is indeed their cardholder.
In addition, the workflow for authentication is designed so that it no longer requires redirects to a separate page, and can also activate out-of-band authentication via an institution's which, in turn, can also be used with.
Even if the merchant has a mobile web site, unless the issuer is also mobile-aware, the authentication pages may fail to render properly, or even at all.
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