3D Secure preference has no impact on checkout process

[mdavo6]

Hi @damianlegawiec & Team,

I can see there was a significant update to implement 3D Secure 2.0 (per #212 ).

However the Payment Method 3D Secure preference no longer works. ie. the current payment process uses 3D secure even when the 3D secure preference is set to disabled. My understanding is that 3D secure may be mandatory in some countries, however certainly not all.

I will submit a PR shortly with the approach I have used to incorporate the preference.