authentication_required | The card was declined because the transaction requires authentication such as 3D Secure. | In most cases a soft decline triggers an authentication flow, allowing the customer to retry and authenticate their card. For off-session payments, request the customer to retry. If the issuer declines despite successful authentication, the customer should contact their card issuer. |
authentication_not_handled | You tried to proceed without performing the required authentication, so the issuer declined again. | Run the EMV 3D Secure (3DS) or strong customer authentication (SCA) flow. For off-session payments, collect and prepare authentication on-session first, then fall back to on-session if needed. |
approve_with_id | The payment can’t be authorized. | Attempt the payment again. If still unable to process, the customer needs to contact their card issuer. |
call_issuer | The card was declined for an unknown reason. | The customer needs to contact their card issuer for more information. |
card_not_supported | The card doesn’t support this type of purchase. | The customer needs to contact their card issuer to confirm the card can be used for this type of purchase. |
card_velocity_exceeded | The customer has exceeded the balance, credit limit, or transaction amount limit on their card. | The customer needs to contact their card issuer for more information. |
currency_not_supported | The card doesn’t support the specified currency. | The customer needs to check with the issuer whether the card can be used for this currency. |
