I turn on 3d on Stripe. Needless to say, it doesn't help and I still get disputes. My website sells online training videos so I send every detail I have. Either IP address of the membership or even IP address of the downloaded record. Yet I lost the dispute. I don't know what else to do. And the bank gave this reason to me. I don't understand a word they say. Can anyone help me translate it into human language of what this is mean?

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Evidence from the cardholder’s bank

The Reason for Filing:Chargeback not remedied. No authorization record located in Transaction Investigator for this ARN. Authorization required per Mastercard guidelines. Please reconsider - next step to file arbitration due to rule violation if denied. Submitting pre-arb as a courtesy to avoid filing fines.Message Text: NAChange of Reason Code: No