In the world of online payments and subscriptions, encountering error messages can be frustrating and confusing. One such error message that users often come across is “Successful Liability Shift for Enrolled Card is Required.” This technical-sounding message provides little guidance on how to proceed. In this article, we will delve into the meaning of this error message, why it appears, and what steps you can take to resolve it and successfully complete your payment or subscription.
What Does “Successful Liability Shift for Enrolled Card is Required” Mean?
To understand this error message, we need to explore the concept of liability shift for enrolled cards. In simple terms, liability shift refers to the transfer of responsibility for any fraud and its financial consequences from one party in a transaction to another. Specifically, it shifts liability from the merchant (the payment gateway company) to the bank that issued the credit or debit card.
This error message is commonly encountered when attempting to use prepaid cards or gift cards, such as Vanilla or Amazon gift cards, on platforms like OnlyFans. Unlike traditional debit or credit cards, these cards cannot undergo the necessary authentication process, which leads to the inability to shift liability for fraudulent transactions.
Now that we have a basic understanding of the issue, let’s explore the technical details behind liability shift and why it affects the use of prepaid and gift cards on certain platforms.
The Technical Explanation of Liability Shift for Enrolled Card
In October 2015, financial institutions and production companies implemented a program called Liability Shift, which aimed to address fraud management practices. This program allows the transfer of liability for fraudulent transactions from the banks to the merchants if the merchants choose to accept non-secure cards without chips or magnetic stripes.
To retain liability for fraudulent transactions on your card, you need to ensure that your card is 3D secure. 3D Secure is an additional fraud protection mechanism that requires customers to complete an extra verification step with the card issuer during payment. This verification typically involves entering a password linked to the card or a one-time passcode (OTP) sent to your phone.
While 3D Secure is mandatory in certain regions, it remains optional in others. Many merchants choose not to use 3D Secure, as they perceive it as time-consuming and complicated, with limited effectiveness as a security measure.
However, platforms like OnlyFans and other subscription-based services enforce 3D Secure verification, making it a requirement for all transactions. This is why you are prompted to enter your card PIN, CVV, or receive an OTP when making payments or subscriptions on these platforms.
The purpose of 3D Secure is to authenticate your transaction with the bank and shift liability from the merchant to the bank. Unfortunately, prepaid cards and gift cards, such as Vanilla or Amazon gift cards, cannot be authenticated against your bank. As a result, the liability for any fraudulent transactions cannot be shifted to the bank, leading to the rejection of transactions using these cards.
To summarize the key points about liability shift:
- OnlyFans and similar platforms enforce 3D Secure authentication for debit and credit cards.
- 3D Secure shifts liability from the merchant to the bank in cases of fraud, disputes, or chargebacks.
- Most prepaid and gift cards do not support 3D Secure authentication.
- Consequently, liability cannot be shifted for transactions involving prepaid or gift cards.
- This is why you encounter the error message “Successful Liability Shift for Enrolled Card is Required” when using these cards.
Why Won’t My Prepaid Card Work on OnlyFans?
Now that we understand why prepaid and gift cards are incompatible with platforms like OnlyFans, let’s explore additional reasons why these cards may not work. It’s important to note that while OnlyFans allows you to add various cards as payment methods, it selectively supports them for actual payments and subscriptions.
Card Type Not Supported
As of now, OnlyFans supports only debit and credit cards, along with some Visa gift cards. The platform requires 3D Secure authentication to ensure the liability shift from the merchant to the bank. Prepaid cards and most gift cards, including PayPal, are not supported on OnlyFans. The only prepaid cards accepted are prepaid Visa Cards. The platform’s limited card support aims to enhance security and prevent fraud.
You Entered the Wrong Card Details
If you have a 3D Secure-enabled card and are still receiving the “Successful Liability Shift for Enrolled Card is Required” error message, it’s possible that you entered incorrect card details. Whether you’re using an existing card or entering new card information, it’s crucial to ensure the accuracy of the following details:
- Cardholder’s name
- Primary Account Number (PAN)
- Expiry date
- Card Verification Value (CVV)
- Social Security number (if required for verification)
Entering incorrect details can result in transaction failures and the error message you encountered. Double-check that all the provided information is accurate to ensure a successful transaction.
There’s a Bug
In some cases, errors may occur due to bugs or system issues. To successfully authenticate your card and complete a payment on OnlyFans, a three-way communication between the platform, the merchant/payment gateway, and the issuing bank is necessary. If there’s a bug or technical glitch on any of these systems, you may encounter the “Successful Liability Shift for Enrolled Card is Required” error message.
In such instances, the best course of action is to wait and try again later. These errors often resolve themselves after a short period of time.
Summary of Solutions
To recap, here are the key solutions to resolve the “Successful Liability Shift for Enrolled Card is Required” issue:
- Use a 3D secure debit or credit card: Ensure that your card supports 3D Secure authentication. Visa and Mastercard cards that prompt for additional verification (such as a one-time passcode) are typically 3D Secure enabled.
- Verify card details: Double-check that all the entered card details, including the cardholder’s name, PAN, expiry date, CVV, and any additional required information, are correct.
- Try again: If you’ve confirmed that you’re using a supported card, entered accurate details, and there are no known bugs or system issues, trying again later may resolve the error. These errors can sometimes be temporary and self-correcting.
Conclusion
By following these solutions, you can increase the likelihood of successfully completing payments and subscriptions on platforms like OnlyFans.
