Newbie Questions Even if I find a card with a good BIN, will it not work on all merchant sites?

[malaasha]

Suppose I were to find a CC with a BIN which doesn't use 3DS. Then could I use that card at something like apple.com? Or will most merchants just refuse payments on such cards because without 3DS the merchant takes the liability but with 3DS the liability shifts to the issuer?

Follow-up question, how do you find merchants who take 3DS?

 

[wedavi16]

There are many variables at play. Each merchant has it's own security measures which looks at things like geolocation of ip-billing, email, bin (may be on blocked list) etc. etc.

Best thing to do is just try it out. I remember a friend found a random amex bin (travellers cheque) that would work for 5k+ on gucci and other designer sites, but other bins with high balance wouldn't hit. All depends on the site/merchant and their own individual fraud system.