Yeah it should be implemented, but even all Merchant needs to implement it

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I think you are just talking about countries who have mandated 3D Secure but even in those countries users can still chargeback if the merchant does not supports 3DS and Stripe's 3DS is still in beta

Fraud, you mean? Well, if the user didn't use 3D secure and/or provide a photo of the front and back of his card, he could still charge back anyway, with pretty much no chance of the merchant winning

We use Bitpay as merchant, and I've paid for services with merchants using both coingate and bitpay. Both are decent from a users experience IMHO.

Yes, most online shoppers don't know implications of certain actions on the merchant end. There is a lot of confusion, misunderstanding and even hostility, as evident in such threads.

Just because a Paypal billing agreement is still in place, does not allow a merchant to charge as they please!

maybe they purchase additional merchant account for their offshore bank?

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As you seem to be determined to continue preaching, let me help you out by enhancing your quote somewhat:

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For the merchant with an unbalanced channel:

Yeah but that's not how it works is it. Again.. this is a very idealistic view and not realistic in terms of how it actually works. Look at Paypal for example. Most merchants will receive far more via

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Lets assume that there are 3 types of entities. (A) buyer, (B) hub and (C) merchants.

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We was just started using Stripe after providing them all valid documents in March 2018. And they just simply send us an email after complete $300+ transaction on 10 April 2018 by saying they can't ac

especially compared to how costly more localized merchant payment gateway accounts used to be back 10-15 years ago. Obviously not something you need, but yeah, between them and Square (who use the S

You need a merchant's proof.