> The explanation I get is that if a card payment was verified by the customer with 3D Secure, it is considered valid and cannot be challenged.
Was this with a credit card or a debit card?
At least with my (European) bank the above is only true for debit cards, while credit card payments can also be chargebacked on contract disputes with the seller.
In Serbia it is the same, the protections fall under the card issuer (MasterCard/VISA). I then went ahead and read up on MasterCard's Zero Liability procedure, and asked the bank again. They again lied and pretended I misunderstood the document. So, yeah, protection is apparently the same for credit and debit cards, and it's basically none.
To submit a chargeback you physically have to go into the bank office, and write a statement, sign at least 5 papers, and wait 30 days for a REPLY. If they approve it, wait 15 days to get the money back, but they can extend it up to 45 days, for a total 75 days of agony and hell.
What is the worst thing to me is that MasterCard/VISA rules should be the same worldwide, and at least for MasterCard, the rules are the same on the Serbia-specific website (https://www.mastercard.rs/sr-rs.html), yet every bank lies it's way into non-compliants with hand-wavy statements about their own terms. Additionally, I pay for a MasterCard Gold which is 3x the price of the regular card, so I could evade this bullit, yet I'm in the same problem as everyone else.
Was this with a credit card or a debit card?
At least with my (European) bank the above is only true for debit cards, while credit card payments can also be chargebacked on contract disputes with the seller.