I have 3DS turned on, but the transaction failed. What happened?

There could be several reasons why a transaction failed despite having 3DS turned on:

  1. 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.
  2. 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.
  3. Card Issues: The customer’s card might have expired, been canceled, or reached its limit, preventing the transaction from being processed successfully.
  4. 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.