{"id":4281,"date":"2022-10-20T07:15:13","date_gmt":"2022-10-20T07:15:13","guid":{"rendered":"https:\/\/ccbill.com\/kb\/?p=4281"},"modified":"2023-05-25T11:57:32","modified_gmt":"2023-05-25T11:57:32","slug":"successful-liability-shift-for-enrolled-card-is-required","status":"publish","type":"post","link":"https:\/\/ccbill.com\/kb\/successful-liability-shift-for-enrolled-card-is-required","title":{"rendered":"What Does \u201cSuccessful Liability Shift for Enrolled Card Is Required\u201d Mean?"},"content":{"rendered":"\n

Introduction<\/p>\n\n\n\n

Online payment processing<\/a> technology has progressed to the point where most online transactions are completed quickly, securely<\/a>, and efficiently. However, errors still occur, whether due to user input mistakes or system malfunction. <\/p>\n\n\n\n

One of the messages online shoppers encounter is \u201cSuccessful liability shift for enrolled card is required.\u201d<\/strong> This article explains what this error message means, why it occurs, and how to solve it. <\/p>\n\n\n\n

\"Solving<\/figure>\n\n\n\n

What is \u201cSuccessful liability shift for enrolled card is required\u201d Error? <\/h2>\n\n\n\n

Liability shift is the transfer of financial responsibility for fraudulent transactions. The \u201cSuccessful liability shift for enrolled card is required\u201d message typically appears in two cases: <\/p>\n\n\n\n

    \n
  1. When a consumer uses a gift card as a payment method with merchants that do not support them. <\/li>\n\n\n\n
  2. When a consumer uses a credit or debit card without 3D secure. <\/li>\n<\/ol>\n\n\n\n

    Using Gift Cards as a Payment Method with Merchants That Do Not Support Them <\/h3>\n\n\n\n

    The \u201cSuccessful liability shift for enrolled card is required\u201d error is typically displayed to customers attempting to use gift cards to tip or subscribe to an OnlyFans creator. <\/p>\n\n\n\n

    The error occurs because OnlyFans does not accept gift cards as a payment method. The only payment methods OnlyFans currently accepts are credit and debit cards<\/a>.\u00a0<\/p>\n\n\n\n

    \n\n\n\n

    Note: <\/strong>It is in the merchants\u2019 best interest to offer payment methods customers prefer. For more on this, refer to our article Preferred Payment Method for Online Shoppers<\/a>. <\/p>\n\n\n\n

    \n\n\n\n

    Using Credit or Debit Cards Without 3D Secure<\/h3>\n\n\n\n

    The first steps in online payment processing are security checks (typically 3D secure) and cardholder authentication. Liability shift occurs when a card issuer confirms that a card is enrolled under 3D secure, and cardholder authentication is successful. This results in a transfer of liability from the merchant to the card issuer. <\/p>\n\n\n\n

    The \u201cSuccessful liability shift for enrolled card is required\u201d error can appear when a merchant requires a liability shift, but the enrolled card (the card used for the payment) does not have active 3D secure. <\/p>\n\n\n\n

    Why is 3D Secure Required for Liability Shift? <\/em><\/h4>\n\n\n\n

    Let us assume that a customer buys something from an ecommerce merchant and pays with a card that passed the 3D secure check and cardholder authentication. In that case, the liability for the transaction transfers from the merchant to the card issuer if the merchant requires so. This means that if the transaction is fraudulent, the card issuer will be held liable for the damages incurred by the merchant. <\/p>\n\n\n\n

    3D secure<\/a> is an additional layer of security applied to most currently active debit and credit cards. It protects cardholders in case their physical card or card details get stolen. Paying with a 3D secure card requires the cardholder to provide another means of authentication (typically a one-time password they receive via their email or phone). <\/p>\n\n\n\n

    For a fraudulent transaction<\/a> to occur, the following must happen: <\/p>\n\n\n\n