Root Cause

• The merchant’s payment system does not support Mastercard SecureCode (or) Verified by Visa (or) other authentication service that is required for processing the transaction.
• Mandatory SecureCode enforcement: The card issuer mandates SecureCode authentication, but the payment flow does not support this step.
• Payment gateway limitations: The current payment gateway integration does not handle SecureCode-enabled transactions for Mastercard.
• Missing 3D Secure implementation: The merchant’s payment flow lacks support for required 3D Secure authentication protocols.

Troubleshooting and Solutions

• Ask the customer to use a different card or payment method that doesn’t require SecureCode authentication.
• Review and update the merchant’s payment gateway configuration to support Mastercard SecureCode (or) Verified by Visa (or) other authentication service if required.
• Consult with the payment gateway provider to enable 3D Secure authentication protocols.
• Clearly inform customers at checkout if certain card types are not supported to prevent failed transactions.
• Retry the transaction only after confirming that the payment system supports necessary authentication as required by the card.