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How best to manage charge backs and returns in 3rd party aggregation model?

Searched the site, but didn't find an answer to the following question: My partners and I are working on a startup and part of our model is acting as a 3rd party aggregator of certain services, ...
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3D Secure payments and chargebacks

A payments question for you: If you accept credit card payments and request 3D Secure / Verified by Visa payment, but the card is not enrolled in 3DS and thus the payment completes without 3DS ...