I've developed a completely custom PHP system for 3D using Protx/Omnipay/Lloyds and to be frank it's not the simplest of systems and, as others have noted, customers don't particularly like it and our sales have since plummeted... The worst bit is the communication between the banks, the payment providers and the merchant number providers. After my experience they don't quite seem to have their act together... Unfortunately, I think one day before too long it *will* be mandatory for all cards so I guess we're going to have to get used to it!

I would potentially be interested in converting my code to Ubercart at some point, but at the moment I am up to my neck on another ecommerce project so not sure when it could happen. I'll subscribe to this thread to keep up with the conversation and help where/when I can.

Regards,

- Paul