I gave Visa as an example. The liability shift rules do depend on the network; if the transaction runs on Visa rails, it is subject to the Visa rules. My understanding is that many of the payment networks have adopted the same or similar shift rules, including Accel, American Express, China UnionPay, Discover, Mastercard, NYCE, SHAZAM, and STAR. I'm sure there are others.
Nobody's perfect, not even a perfect stranger.