Challenge Preference or Exemption Reason
These are the possible values for the challengePreferenceReason parameter returned by the issuer after a 3D-Secure v2 challenge:
| Value | Challenge Preference or Exemption Reason |
|---|---|
| 1 | Initial Merchant Initiated Transaction |
| 2 | Initial Recurring Payment |
| 3 | Add Card |
| 4 | Account Verification |
| 5 | Merchant Initiated Transaction |
| 6 | Recurring Payment |
| 7 | Merchant SCA Delegation |
| 8 | Wallet SCA Delegation |
| 9 | Corporate Card |
| 10 | Trusted Beneficiaries |
| 11 | Always Challenge |
| 12 | No Preference |
| 13 | Rule Engine Challenge |
| 14 | Low Value Payment |
| 15 | Transaction Risk Analysis |
Failed 3D-Secure Authorization Reason
These are the possible values for the threeDReasonId and threeDReason parameters returned by the issuer, describing the reason for a failed 3D-Secure authorization:
| Value | Description |
|---|---|
| 01 | Card Authentication Failed |
| 02 | Unknown Device |
| 03 | Unsupported Device |
| 04 | Exceeds authentication Frequency Limit |
| 05 | Expired Card |
| 06 | Invalid Card Number |
| 07 | Invalid Transaction |
| 08 | No Card Record |
| 09 | Security Failure |
| 10 | Stolen Card |
| 11 | Suspected Fraud |
| 12 | Transaction Not Permitted to Cardholder |
| 13 | Cardholder not enrolled in service |
| 14 | Transaction timed out at the ACS |
| 15 | Low confidence |
| 16 | Medium Confidence |
| 17 | High Confidence |
| 18 | Very High Confidence |
| 19 | ACS Maximum Challenges |
| 20 | Non-Payment transactions not Supported |
| 21 | 3RI transaction not supported Effective 1 September 2019, Reason Code not Allowed |
| 22 | ACS technical issue |
| 23 | Decoupled Authentication Required by ACS but not requested by 3DS Requestor |
| 24 | 3DS Requestor Decoupled Max Expiry Time Exceeded |
| 25 | Decoupled Authentication was provided insufficient time to authenticate cardholder. |
| 26 | Authentication attempted but not performed by the cardholder |
| 81 | MC - Exemption request accepted | VISA - ACS Timed Out |
| 82 | VISA - Invalid Response from ACS |
| 83 | VISA - System Error Response from ACS |
| 84 | VISA - Internal Error While Generating CAVV |
| 85 | VISA - VMID not eligible for requested program |
| 86 | VISA - Protocol Version Not Supported by ACS |
| 87 | VISA - Transaction is excluded from Attempts Processing (includes non-reloadable pre-paid cards) |
| 88 | VISA - Requested program not supported by the ACS |
| Value | Challenge Preference or Exemption Reason |
|---|
|
Value
|
Challenge Preference or Exemption Reason
|
|---|---|
| 1 | Initial Merchant Initiated Transaction |
| 2 | Initial Recurring Payment |
| 3 | Add Card |
| 4 | Account Verification |
| 5 | Merchant Initiated Transaction |
| 6 | Recurring Payment |
| 7 | Merchant SCA Delegation |
| 8 | Wallet SCA Delegation |
| 9 | Corporate Card |
| 10 | Trusted Beneficiaries |
| 11 | Always Challenge |
| 12 | No Preference |
| 13 | Rule Engine Challenge |
| 14 | Low Value Payment |
| 15 | Transaction Risk Analysis |
| Value | Description |
|---|
|
Value
|
Description
|
|---|---|
| 01 | Card Authentication Failed |
| 02 | Unknown Device |
| 03 | Unsupported Device |
| 04 | Exceeds authentication Frequency Limit |
| 05 | Expired Card |
| 06 | Invalid Card Number |
| 07 | Invalid Transaction |
| 08 | No Card Record |
| 09 | Security Failure |
| 10 | Stolen Card |
| 11 | Suspected Fraud |
| 12 | Transaction Not Permitted to Cardholder |
| 13 | Cardholder not enrolled in service |
| 14 | Transaction timed out at the ACS |
| 15 | Low confidence |
| 16 | Medium Confidence |
| 17 | High Confidence |
| 18 | Very High Confidence |
| 19 | ACS Maximum Challenges |
| 20 | Non-Payment transactions not Supported |
| 21 | 3RI transaction not supported Effective 1 September 2019, Reason Code not Allowed |
| 22 | ACS technical issue |
| 23 | Decoupled Authentication Required by ACS but not requested by 3DS Requestor |
| 24 | 3DS Requestor Decoupled Max Expiry Time Exceeded |
| 25 | Decoupled Authentication was provided insufficient time to authenticate cardholder. |
| 26 | Authentication attempted but not performed by the cardholder |
| 81 | MC – Exemption request accepted | VISA – ACS Timed Out |
| 82 | VISA – Invalid Response from ACS |
| 83 | VISA – System Error Response from ACS |
| 84 | VISA – Internal Error While Generating CAVV |
| 85 | VISA – VMID not eligible for requested program |
| 86 | VISA – Protocol Version Not Supported by ACS |
| 87 | VISA – Transaction is excluded from Attempts Processing (includes non-reloadable pre-paid cards) |
| 88 | VISA – Requested program not supported by the ACS |