Why do I get an "Authentication required" response?

The AUTHENTICATION_REQUIRED response means the issuer mandates a strong customer authentication (SCA). This refusal is considered a soft decline. Currently those are present for Visa, Mastercard, American Express and Diners with the error and message below: 

  • 1A : Authentication Required (Visa)
  • 65 : Exceeds withdrawal count limit (Mastercard)
  • 130 : Authentication Required (American Express)
  • 103 - Customer Authentication Required (Diners)

If this happens we automatically retry the transaction on 3DS1 or 3DS2, unless you have specifically included the parameter executeThreeD set to false in the payment request.

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