diff --git a/rowers/braintreestuff.py b/rowers/braintreestuff.py
index 37cb67ac..9182a94d 100644
--- a/rowers/braintreestuff.py
+++ b/rowers/braintreestuff.py
@@ -103,7 +103,7 @@ def make_payment(rower,data):
     nonce_from_the_client = data['payment_method_nonce']
     nonce = gateway.payment_method_nonce.find(nonce_from_the_client)
     info = nonce.three_d_secure_info
-    if info is None:
+    if info is None or not info.liability_shifted:
         return False,0
 
     amount = data['amount']
@@ -138,7 +138,7 @@ def update_subscription(rower,data,method='up'):
     nonce_from_the_client = data['payment_method_nonce']
     nonce = gateway.payment_method_nonce.find(nonce_from_the_client)
     info = nonce.three_d_secure_info
-    if info is None:
+    if info is None or not info.liability_shifted:
         return False,0
     amount = data['amount']
     amount = '{amount:.2f}'.format(amount=amount)
@@ -240,7 +240,7 @@ def create_subscription(rower,data):
     nonce_from_the_client = data['payment_method_nonce']
     nonce = gateway.payment_method_nonce.find(nonce_from_the_client)
     info = nonce.three_d_secure_info
-    if info is None:
+    if info is None  or not info.liability_shifted:
         return False,0
     amount = data['amount']
 
diff --git a/rowers/templates/braintreedropin.html b/rowers/templates/braintreedropin.html
index ced74bbc..72b3af5b 100644
--- a/rowers/templates/braintreedropin.html
+++ b/rowers/templates/braintreedropin.html
@@ -3,6 +3,7 @@
 <script>
   var form = document.querySelector('#payment-form');
   var hiddenNonceInput = document.querySelector('#nonce');
+  var paymenterrordiv = document.getElementById("paymenterror");
   var client_token = '{{ client_token }}';
   braintree.dropin.create({
     authorization: client_token,
@@ -28,7 +29,8 @@
   } else {
         // Decide if you will force the user to enter a different
         // payment method if liablity was not shifted
-        dropinInstance.clearSelectedPaymentMethod();
+  instance.clearSelectedPaymentMethod();
+  paymenterrordiv.innerHTML = '<p class="message">3D Secure Card Verification Error. Please check your card details.</p>';
       }
   });
 
@@ -42,5 +44,5 @@
 $('#payment-form').submit(function() {  
 $(this).find("button[type='submit']").prop('disabled',true);
 console.log("disabled");
-}
+});
 </script>
diff --git a/rowers/templates/paymentconfirm.html b/rowers/templates/paymentconfirm.html
index c76cd7f9..77785ed1 100644
--- a/rowers/templates/paymentconfirm.html
+++ b/rowers/templates/paymentconfirm.html
@@ -1,8 +1,13 @@
 {% extends "newbase.html" %}
 {% block title %}Rowsandall Paid Membership{% endblock title %}
 {% load rowerfilters %}
+
+
 {% block main %}
 
+<div id="paymenterror">
+</div>
+
 <h1>Confirm Your Payment</h1>
 
 <h2>Order Overview</h2>
diff --git a/rowers/templates/upgradeconfirm.html b/rowers/templates/upgradeconfirm.html
index b8896a5a..669c6b52 100644
--- a/rowers/templates/upgradeconfirm.html
+++ b/rowers/templates/upgradeconfirm.html
@@ -3,6 +3,9 @@
 {% load rowerfilters %}
 {% block main %}
 
+<div id="paymenterror">
+</div>
+
 <h1>Confirm Your Payment</h1>
 
 <h2>Order Overview</h2>