Almost everything you just said regarding French banks procedures, 3d secure and fees is incorrect. Either your experience dates from a long, long, LONG time ago, or you're making things up.
For reference, virtually 100% of card owner in France can pay using 3d secure and they don't need any mail for that. The most common form of verification is a sms on your registered cellphone number.
I haven't had to deal with soap, nor send any postal mail, for any part of our dealings. Including for fraud resolutions.
And possibly your biggest mistake, from the merchant point of view whether or not 3d secure reduce the amount of fraud or not is irrelevant. If the payment is made using it, then the fraud is purely the bank's problem, whereas without it's yours and you're out of your money until the fraud is resolved.
For reference, virtually 100% of card owner in France can pay using 3d secure and they don't need any mail for that. The most common form of verification is a sms on your registered cellphone number.
I haven't had to deal with soap, nor send any postal mail, for any part of our dealings. Including for fraud resolutions.
And possibly your biggest mistake, from the merchant point of view whether or not 3d secure reduce the amount of fraud or not is irrelevant. If the payment is made using it, then the fraud is purely the bank's problem, whereas without it's yours and you're out of your money until the fraud is resolved.