Hi Laurie,
Visa and Mastercard both support 3D-Secure but do not require it as yet.
It is up to the individual Card Issuers to enforce/make use of 3D-Secure.
When you set up your Protx Account to have 3D-Secure checks enabled, it only requests that 3D-Secure be made use of for Visa and Mastercard cards, it does not state that 3D-Secure must be used for these card types.
Eventually 3D-Secure is anticipated to be availed of much more, just as chip and pin has been. For now though the majority of cards do not use it.
Hope that helps set your mind at rest somewhat! :)
All the best...
Conor




