Phoebe on Instagram: "If you work with any clients who send invoices or accept card-not-present payments, you should be offering 3DS (3D Secure) especially if they’ve had chargebacks, fraud disputes, or “cardholder didn’t authorize” claims. 3DS adds an extra layer of cardholder verification at checkout and shifts fraud liability away from the merchant when used correctly. That means: • Fewer chargebacks • Less fraud exposure • Stronger protection for invoice-based and remote payments This is an