Frictionless Failed Authentication

The steps to follow this flows are:

All 3-D Secure flows has the following steps, some of them don’t need validation, some of them need it.

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Characteristics:

• Card not enrolled in 3D Secure, or

• Issuer declines authentication, or

• Technical error occurs

Flow Steps:

1. Setup → Get authentication tokens
2. Capture → Collect device data automatically
3. Enroll → 3D Secure check: FAILED/NOT AVAILABLE
4. Result → Authentication failed (ECI: 07 for VISA/AMEX, 00 for Mastercard)
5. Decline → Transaction may be declined or processed without 3DS
6. End → Handle according to merchant policy

API Responses:

• Setup: status: "Completed"

• Enroll: status: "Authentication_failed"

• No validation step available

Common Reasons:

• Card not enrolled in 3D Secure program

• Issuer technical issues

• Invalid card information

• Authentication system unavailable