I suspect they don't do 3-D Secure because they're storing the cards on the first transaction.
Subsequent sales are marked "card on file" which is priced in its own way and often doesn't require the same info (for example, no CVV, but often also no 3-D Secure) I wonder if they're willing to eat the higher cost of a non-3-D Secure initial transaction for the appearance of frictionlessness? Or that their volume is so huge they can demand concessions for rates?
Subsequent sales are marked "card on file" which is priced in its own way and often doesn't require the same info (for example, no CVV, but often also no 3-D Secure) I wonder if they're willing to eat the higher cost of a non-3-D Secure initial transaction for the appearance of frictionlessness? Or that their volume is so huge they can demand concessions for rates?