It quickly gets complicated. There are many more variables to take into account.
- SCA exemptions
- Prepaid Cards (with no built in 2FA support)
- Banks in less developed markets (No 3DS)
- "We encountered a 3DS processing error" is a common nondescript message which occurs with international payments
For regular merchants, the decrease in conversion (double digit) is VERY far away from any improvements in chargebacks. Bear in mind that most merchants need to stay below 0.75-1% chargeback regardless of conversion/decline ratios.
- SCA exemptions - Prepaid Cards (with no built in 2FA support) - Banks in less developed markets (No 3DS) - "We encountered a 3DS processing error" is a common nondescript message which occurs with international payments
For regular merchants, the decrease in conversion (double digit) is VERY far away from any improvements in chargebacks. Bear in mind that most merchants need to stay below 0.75-1% chargeback regardless of conversion/decline ratios.
EDIT: Spelling