When this error message is displayed, it means that the shopper failed the authentication (probably input the wrong password/code).
In those cases, we can see in the Customer Area:
- the Raw acquirer response is 3d-secure: Authentication failed
- 3D offered is Y - more information about the meaning can be found here
- 3D authenticated is N - more information about the meaning can be found here
This transaction was refused but for further transactions, you can recommend the shopper to verify the password or code they input to complete the authentication.