Hello! I have a question regarding the Apple Pay payment method. We're adding this payment method to our app and noticed that during the initiation of a transaction, i.e., when invoking Apple Pay to reserve a product in our app, the 3DS verification doesn't occur. Our assumption was that 3DS happens when a card is added to the Apple Pay wallet, which is before the user purchases a product. But is that correct? Shouldn't 3DS be processed each time a transaction is initiated? If the case where a transaction happened for a card where the 3DS authentication is completed when it was added, will the liability shift for this transaction from us as merchant to the bank as well, like regular 3DS auth on a transaction basis would do?