With 3DS you reduce the risk of fraud in e-commerce transactions.
It is a security protocol that allows the issuer to carry out a user authentication process prior to performing non-face-to-face transactions.
Helps reduce the risk of e-commerce fraud
Prevents unauthorized use of cards in electronic commerce
Protects issuers from charging fraud-related transactions at non-participating merchants
Under this new scheme, you will not have to take responsibility for chargebacks, since the issuer has the mechanisms to reduce the risk of fraud.
It is an additional layer of security to reduce fraud losses that allows cardholders to authenticate themselves with their card issuer when making transactions at participating e-commerce stores.