It is important to note that, as of 2026, the majority of online merchants employ 3DS and VBV protocols, irrespective of whether this is explicitly advertised. This prevalence is not necessarily due to a conscious decision by individual merchants to implement such security measures. Rather, it is a consequence of their adoption of major payment processing platforms—such as Stripe, Adyen, Braintree, and CyberSource—which have 3D Secure integrated as a standard component of their systems.
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