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After installing the latest version of Magento, I do see the option to enter 3d secure information for authorize.net but I am still not 100% sure if that will work or do we still need go with a 3rd party plugin . for example - http://www.digitalspyders.com/us/magento-cardinal-3d-secure.html
I’m posting so I can listen for any other answers. That extension is a bit spendy even at its discounted price. This functionality IS something we will implement ... not new, but I can already forsee this is where the industry is going.