Overview
In response to a payment request, the card issuer returns a 3DS authentication result and, if applicable, the relevant 3DS challenge or exemption with its reason. This page describes these responses when using the Nuvei REST API 2.0 integration method.
threeD
Block
The paymentOption.card.threeD
block contains the 3D-Secure response parameters returned from the issuer at different stages of the REST 2.0 3D-Secure payment flow. The threeD
block contains a different parameter set depending on the stage in the flow.
- Initial Payment Request – Response to
/payments
request includesthreeD
block. - Second Payment Request – Response to
/payments/{payment-id}/fingerprint
request includesthreeD
block if:result.status
= “challenge“, orresult.status
= “approved“, indicating a successful frictionless payment.
- Final Payment Request – Response to
/payments/{payment-id}/challenge
request.
Reasons
- Challenge and Exemption Reasons
Follow the link for a description ofchallengePreferenceReason
. - Failed 3DS Authorization Reason
If the 3DS authentication failed, then the issuer returns thereasonId
andreason
, which describes the reason for a failure.
threeDReasonId
threeDReason
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