Here you will find information related to:
3DS related errors
Other errors: India-based customers

A payment failure may occur for various reasons, including internet issues, incorrect payment details, expired card information, etc. Beyond the more generic issues, you may encounter errors for either one of the two reasons.

  • An error while adding a payment method for the first time

  • An error while verifying an existing payment method

3D Security related errors

Both of these errors can be attributed to 3D Secure Verification System. 3D Secure is an additional layer of security for online transactions designed as a fraud prevention method by validating your transaction via your password on the bank authentication page. Read more about it here. In case of a 3D Secure verification failure, your card will not be charged.

What to do in case of 3D secure verification failure

  • If you are unable to authenticate with 3D Secure, it may be due to an unstable connection or an incorrect password. Please attempt the payment again. Ensure you are entering the correct authentication password or OTP.

  • If your bank does not support or rejects 3DS, kindly contact your bank or provide an alternate payment method.

Other issues

India-based Customers

If you are an India-based customer whose payments didn’t go through despite having sufficient funds and correct payment details, it might be due to the Reserve Bank of India’s revised payment processing guidelines on international transactions. This has led to many Indian credit and debit card users being unable to transact on our website. You may have the same issue when using PayPal backed by Indian credit or debit card.

A great workaround to this problem is using a digital card issued by a neobank, a digital banking solution provided by fintech companies. A large number of our India-based clients have had successful transactions via Niyo.

💡 In case of failure to authenticate, the system will display any of the following status codes. Please find your error code below to understand and troubleshoot it efficiently.

unsupported_card

Your account is not set up to authenticate the customer’s provided card brand with 3D Secure

Provide a different payment method

unsupported_account_type

Your merchant account is not set up to accept this card type. Only credit and debit cards can be accepted

Provide a different payment method

unsupported_three_d_secure_version

Your merchant account is not set up to use the 3D Secure version requested

Provide a different payment method

authentication_unavailable

The card network is unavailable to verify the card using 3D Secure

Kindly retry the verification

authenticate_error

An error occurred during authentication

Your payment was rejected, and you should attempt the verification again or use another card

authenticate_failed

An error due to an incorrect password or a time out occurred

Your payment was rejected, and you should attempt the verification again or use another card

authenticate_signature_verification_failed

An error in the lookup

Your payment was rejected, and you should attempt the verification again or use another card

authenticate_unable_to_authenticate

Card-issuing bank caused the 3D Secure authentication to fail

Your payment was rejected, and you should attempt the verification again or use another card

lookup_enrolled

This may happen due to the interruption of 3D secure validation

Your payment was rejected, and you should attempt the verification again or use another card

challenge_required

Verification did not go through

Your payment was rejected, and you should attempt the verification again or use another card

authenticate_failed_acs_error

An error occurred in the bank system during the 3D Secure challenge and caused the authentication to fail

Your payment was rejected, and you should attempt the verification again or use another card

lookup_failed_acs_error

An error occurred in the bank system during the 3D Secure lookup and caused the authentication to fail

Your payment was rejected, and you should attempt the verification again or use another card

lookup_error

An error occurred during the lookup and caused 3D Secure authentication to fail

Your payment was rejected, and you should attempt the verification again or use another card

lookup_card_error

An issue validating the card by Merchant plug-in provider

Your payment was rejected, and you should attempt the verification again or use another card

lookup_server_error

An issue with the directory server

Your payment was rejected, and you should attempt the verification again or use another card

authenticate_rejected

Issuer supports the 3DS but rejects the request

Your payment was rejected, check with the bank, or please retry with another card

authenticate_frictionless_failed

The issuer is not allowing the customer to complete a 3D Secure challenge

Your payment was rejected, check with the bank, or please retry with another card

transaction_refused

The transaction was refused from the banks' end

Your payment was rejected, check with the bank. India-based users can try using Neobanks

Can’t find your Status Codes above?

Please contact us, and we will be happy to walk you through it.

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