Authentication Failures
A possible outcome of an authentication is a failure. In order to handle the cases and to prevent further issues, it is important to understand the different failure reasons. The EMV 3-D Secure protocol offers a numeric value to indicate such authentication errors in a standardized way.
Hellgate® refers to this value as status_reason_code. The attribute is available on any failed authentication.
Please see our API reference for more details.
Authentication Failures
| Status Reason Code | Description |
|---|---|
01 | Card authentication failed |
02 | Unknown device |
03 | Unsupported device |
04 | Exceeds authentication frequency limit |
05 | Expired card |
06 | Invalid card number |
07 | Invalid transaction |
08 | No Card record |
09 | Security failure |
10 | Stolen card |
11 | Suspected fraud |
12 | Transaction not permitted to cardholder |
13 | Cardholder not enrolled in service |
14 | Transaction timed out at the Access Control Server (ACS) |
15 | Low confidence |
16 | Medium confidence |
17 | High confidence |
18 | Very High confidence |
19 | Exceeds Access Control Server (ACS) maximum challenges |
20 | Non-Payment transaction not supported |
21 | 3RI transaction not supported |
22 | Access Control Server (ACS) technical issue |
23 | Decoupled Authentication required by ACS but not requested by 3DS Requestor |
24 | 3DS Requestor Decoupled Max Expiry Time exceeded |
25 | Decoupled Authentication was provided insufficient time to authenticate cardholder. |
26 | Authentication attempted but not performed by the cardholder |
VISA specific Failures
| Status Reason Code | Description |
|---|---|
80 | Error connecting to ACS |
81 | ACS timed out |
82 | Invalid response from ACS |
83 | System error response from ACS |
84 | Internal error while generating Cardholder Authentication Verification Value (CAVV) |
85 | Visa Merchant ID (VMID) not eligible for requested program |
86 | Protocol version not supported by ACS |
87 | Transaction is excluded from attempts processing — includes non-reloadable prepaid card and Non-Payments (NPA) |
88 | Requested program not supported by ACS |
89 | CAVV is included in response |
90 | Issuer Strong Customer Authentication (SCA) required |
Mastercard specific Failures
| Status Reason Code | Description |
|---|---|
80 | Transactions processed as Identity Check Insights |
81 | Acquirer exemption accepted |
82 | Challenge mandate requested, but could not be performed by Smart Authentication Stand-In |
83 | Directory Server (DS) dropped reason code received from ACS |
84 | Challenge cancelation indicator populated, therefore did not route to Smart Authentication Stand-In |