The red exclamation mark to the left of the 3D Secure tab indicates that the reason for rejection is related to cardholder authentication.
Only the buyer's browser interacts with the banks' authentication servers.
Example
- Error details: 39: 3D Secure refused for the transaction.

3D Secure refused for the transaction
This code corresponds to an incorrectly specified authentication code.
149The payment session has expired
- the buyer took too long to authenticate;
- the buyer has closed the authentication window;
- the buyer has not received the authentication code by SMS;
- the buyer has installed a plugin on his or her browser or an antivirus that prevents the ACS page from being opened;
- the ACS page was not displayed because the ACS server is unavailable;
- the ACS page is not displayed correctly.
3D Secure - cannot reach DS or ACS.
The authentication servers (DS/ACS) are unavailable and the buyer is unable to authenticate.
206 3D Secure - A technical error occurred during the process.This type of error can occur when the buyer performs the transaction using a cell phone with insufficient memory. The transaction fails during the authentication phase and the ACS shows an error message visible via the 3D Secure tab, in the authentication details.Example: “Error received from the ACS: TRANSACTION_DATA_NOT_VALID”
Refusal of the authentication by the issuer (Transaction not allowed for this cardholder)
This error appears when the authentication servers (ACS) reject the authentication.The buyer must ask their bank if the card used for the payment allows payments with 3DS2 authentication and/or payments via an e-commerce website.
Status reason: “12-Transaction not allowed for this cardholder”
Remember to make sure that the buyer has not made another successful payment attempt with another payment method. Simply check the Multiple attempts tab.