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As Payments Product Owner at a large retailer, this is indeed a real nightmare. Not only for the reasons mentioned in this article and each country following different deadlines, also because in the end it is each individual issuing bank that will decide on whether to automatically decline all non-authenticated transactions or not. Just to take the UK as an example (although we face this all over Europe!), within these 18 months, the FCA is suggesting a step up increase from March 2020, so this will most likely result in declines gradually rising from around March onwards. Merchants need to try and implement 3DS v2 asap but this is not easy when you operate globally and with legacy systems and integrations that do not support our vision. Not all PSPs are ready to support merchants which makes our tasks extremely difficult.