There could be several reasons why a transaction failed despite having 3DS turned on:
- Authentication Failure: The authentication process required by 3DS might have failed, possibly due to incorrect input of the one-time password or other authentication factors.
- Technical Issues: Technical issues on either the merchant’s or the card issuer’s end could have caused the transaction to fail. This could include server issues, network problems, or system errors.
- Card Issues: The customer’s card might have expired, been canceled, or reached its limit, preventing the transaction from being processed successfully.
- Risk Assessment: The transaction might have been flagged as high-risk by the card issuer or the 3DS authentication system, leading to its rejection for security reasons.