{"id":16486,"date":"2024-06-27T15:09:07","date_gmt":"2024-06-27T13:09:07","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/3ds-2-2-authentication\/faq-3ds-2-2\/"},"modified":"2026-09-03T17:06:12","modified_gmt":"2026-09-03T15:06:12","slug":"faq-3ds-2-2","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/3ds-2-2-authentication\/faq-3ds-2-2\/","title":{"rendered":"FAQ \u2013 3DS 2.2"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Selecting a flow<\/h2>\n\t\t<div class=\"sp-easy-accordion-block sp-eab-regular-accordion alignwide\"\n\t\t\t\t>\n\t\t\t<div class=\"sp-eab-wrapper sp-eab-vertical-accordion sp-eab-7d11b6db5fa4\">\n\t\t\t\t\t\t\t\t<div class='sp-eab-accordion sp-eab-mode-vertical sp-eab-vertical-two sp-d-flex' data-accordion-settings=\"{&quot;mode&quot;:&quot;vertical&quot;,&quot;activeEvent&quot;:&quot;click&quot;,&quot;defaultAccordionOpen&quot;:&quot;first-item&quot;,&quot;selectedItemOpen&quot;:0,&quot;openMultiItemAtaTime&quot;:false,&quot;scrollToTopOnLoad&quot;:false,&quot;scrollToTopOnClick&quot;:false,&quot;accordionItemToUrl&quot;:false,&quot;animationEffect&quot;:&quot;fadeInUp&quot;,&quot;applyAccessibility&quot;:true}\">\n        \t    \t\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-c6c4940b4981\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-db5fa4\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-db5fa4'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tShould I use the BRW feed or the 3RI feed?\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-db5fa4'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">The criterion is <strong>who initiates the transaction<\/strong> and <strong>if the cardholder is present<\/strong>, not the order of the transaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BRW<\/strong> \u2192 <strong>customer-initiated transaction (CIT)<\/strong>, where the cardholder is present and authorizes the payment personally. Use this for the initial authentication of a card as well as for any payment where the customer is present during the transaction. <\/li>\n\n\n\n<li><strong>3RI<\/strong> \u2192 <strong>merchant-initiated transaction (MIT)<\/strong>, with the cardholder absent, based on a previously authenticated CIT (referenced via <code>threeDSReqPriorRef<\/code>).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">See the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/3ds-2-2-authentication\/\">section overview<\/a> and the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/best-practices\/merchant-initiated-transaction-mit\/\">MIT<\/a> page.<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-99186cb11f98\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-db5fa4\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-db5fa4'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tCan I use the BRW feed for my recurring or Merchant-initiated transactions?\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-db5fa4'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\"><strong>No.<\/strong> The BRW assumes that both a browser and a cardholder are present. Using it for MITs results in unnecessary friction, soft declines, and PSD2 non-compliance. For these transactions, use the <strong>3RI<\/strong>, which relies on the <code>acsTransID<\/code> from the initial CIT. However, an MIT may, in exceptional cases, be reclassified as a CIT by the issuer; in this case, reprocess a CIT (BRW) with the cardholder.   <\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\">Test environment<\/h2>\n\t\t<div class=\"sp-easy-accordion-block sp-eab-regular-accordion alignwide\"\n\t\t\t\t>\n\t\t\t<div class=\"sp-eab-wrapper sp-eab-vertical-accordion sp-eab-6ae4a5f1686e\">\n\t\t\t\t\t\t\t\t<div class='sp-eab-accordion sp-eab-mode-vertical sp-eab-vertical-two sp-d-flex' data-accordion-settings=\"{&quot;mode&quot;:&quot;vertical&quot;,&quot;activeEvent&quot;:&quot;click&quot;,&quot;defaultAccordionOpen&quot;:&quot;first-item&quot;,&quot;selectedItemOpen&quot;:0,&quot;openMultiItemAtaTime&quot;:false,&quot;scrollToTopOnLoad&quot;:false,&quot;scrollToTopOnClick&quot;:false,&quot;accordionItemToUrl&quot;:false,&quot;animationEffect&quot;:&quot;fadeInUp&quot;,&quot;applyAccessibility&quot;:true}\">\n        \t    \t\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-c6c4940b4981\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-f1686e\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-f1686e'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tAre there any test cards for 3DS2 transactions in a Sandbox environment?\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-f1686e'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/developers\/resources-by-type\/test-values\/test-cards\/\">View the list of test maps for the RCT environment<\/a>.<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\">3DS authentication errors and statuses<\/h2>\n\t\t<div class=\"sp-easy-accordion-block sp-eab-regular-accordion alignwide\"\n\t\t\t\t>\n\t\t\t<div class=\"sp-eab-wrapper sp-eab-vertical-accordion sp-eab-b723d72539ac\">\n\t\t\t\t\t\t\t\t<div class='sp-eab-accordion sp-eab-mode-vertical sp-eab-vertical-two sp-d-flex' data-accordion-settings=\"{&quot;mode&quot;:&quot;vertical&quot;,&quot;activeEvent&quot;:&quot;click&quot;,&quot;defaultAccordionOpen&quot;:&quot;first-item&quot;,&quot;selectedItemOpen&quot;:0,&quot;openMultiItemAtaTime&quot;:false,&quot;scrollToTopOnLoad&quot;:false,&quot;scrollToTopOnClick&quot;:false,&quot;accordionItemToUrl&quot;:false,&quot;animationEffect&quot;:&quot;fadeInUp&quot;,&quot;applyAccessibility&quot;:true}\">\n        \t    \t\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-c6c4940b4981\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tMy versioning is returning a 404 error: &#8220;Card account number not found in card ranges from Directory Server.&#8221; What should I do? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">The card being used is not enrolled in 3DS 2.2: the transaction cannot be processed using 3DS 2.2. We recommend switching to a 3DS1 payment for this type of card. <\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-f1ddc49716f9\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tThe Result query returns &#8221; transStatus = U.&#8221; How should this be interpreted? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">The value <code>U<\/code> means that authentication\/verification could not be completed (due to a technical issue or other problem).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regarding <strong>SmartForm<\/strong>: during the challenge, only the values <code>Y<\/code> and <code>A<\/code> pass the challenge and allow the payment to proceed. Any other values cause the challenge and the payment to fail. <\/li>\n\n\n\n<li>Regarding <strong>CustomForm<\/strong> : the behavior may vary. You can use the value <code>U<\/code> to retry a challenge; if it fails again, switch to 3DS1, or treat the payment as declined. These different handling options are possible.  <\/li>\n<\/ul>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong>SmartForm vs. CustomForm<\/strong> : SmartForm is the payment page hosted by <\/pre>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-b9715a302951\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tAfter submitting the form toacsURL, the customer returns without a CRES but with a &#8221; ERROR &#8221; (base64) parameter and an empty &#8221; THREEDSSESSIONDATA.&#8221; What should be done? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">Verify that your entire 3DS2 process takes place <strong>on a single page<\/strong> using the iframe solution. If the process is compliant, <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/contact-centralpay\/\">contact technical support<\/a> with the necessary information. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2139\ufe0f As a reminder, all steps of the form are completed on a single page, without being redirected to a bank page or any other page, thanks to the iframe solution.<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-85c1e5025b78\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tError 303: &#8220;acquirerBIN, acquirerMerchantID not recognized&#8221; during authentication. What should I do? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">This is either a contract that is not 3DS2 or another issue. In the second case, <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/general-information\/contact-centralpay\/\">contact technical support<\/a> and provide the electronic payment contract number (if known) and any other relevant information. <\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-d1bef3db64db\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tError 203: \u201cValidation of 3DS Requestor Authentication data failed [\u2026]\u201d for the \u201c merchant.merchantName \u201d field. What does this mean? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">Error 203 indicates an <strong>invalid character<\/strong> in parameter <code>merchant.merchantName<\/code>.<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-f101df49e009\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-2539ac\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-2539ac'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\t&#8220;There is no unique source of card&#8221; error in the key ` card data`. What does this mean? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-2539ac'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">This error, which is common across the entire platform, happens when you send card information <strong>twice<\/strong>: for example a <code>cardToken<\/code> and a <code>cardId<\/code>, or a PAN and a <code>cardToken<\/code>. Send only one set of card information. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/05\/image-1-edited-2.png\" alt=\"Illustration of the card source error\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2024\/06\/2021-12-28_16-49.png\" alt=\"Additional example\"\/><\/figure>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<h2 class=\"wp-block-heading\">Bank Authorization<\/h2>\n\t\t<div class=\"sp-easy-accordion-block sp-eab-regular-accordion alignwide\"\n\t\t\t\t>\n\t\t\t<div class=\"sp-eab-wrapper sp-eab-vertical-accordion sp-eab-7ec2a8d14a9d\">\n\t\t\t\t\t\t\t\t<div class='sp-eab-accordion sp-eab-mode-vertical sp-eab-vertical-two sp-d-flex' data-accordion-settings=\"{&quot;mode&quot;:&quot;vertical&quot;,&quot;activeEvent&quot;:&quot;click&quot;,&quot;defaultAccordionOpen&quot;:&quot;first-item&quot;,&quot;selectedItemOpen&quot;:0,&quot;openMultiItemAtaTime&quot;:false,&quot;scrollToTopOnLoad&quot;:false,&quot;scrollToTopOnClick&quot;:false,&quot;accordionItemToUrl&quot;:false,&quot;animationEffect&quot;:&quot;fadeInUp&quot;,&quot;applyAccessibility&quot;:true}\">\n        \t    \t\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-c6c4940b4981\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-d14a9d\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-d14a9d'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tThe transaction API returns &#8220;Soft Decline,&#8221; even though &#8221; threeDSServerTransID &#8221; is indeed the status returned by CRES. What should I do? \t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-d14a9d'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">The bank returns a \u201csoft decline\u201d (<strong>code A1<\/strong>) when 3DS <strong>is not included<\/strong> in the transaction. Verify that no <code>3ds[...]<\/code> fields are missing \u2014 see the data to be transmitted on the <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/3ds-2-2-authentication\/transaction-initiated-by-the-holder-cit-brw\/\">BRW page, under the \u201cTransaction\u201d step<\/a>. <\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\n\t\t\t<div\n\t\t\t\tid =\"sp-eab-item-99186cb11f98\"\n\t\t\t\tclass=\"sp-eab-accordion-item eab-item-d14a9d\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<div class=\"sp-eab-accordion-item-wrapper\">\n\t\t\t\t\t\t\t\t<h3 class='sp-eab-accordion-heading sp-d-flex sp-align-center eab-heading-d14a9d'\n\t\t\t\t\t\t>\n\t\t\t\t<span class='sp-eab-accordion-header-wrapper sp-d-flex sp-align-center eab-icon-position-end'>\n\t\t\t\t\t<span class='sp-eab-accordion-header-start sp-d-flex sp-justify-left sp-align-center'>\n\t\t\t\t\t\t<span class='sp-eab-title-subtitle-wrapper sp-d-flex'>\n\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-wrapper sp-d-flex sp-align-center'>\n\t\t\t\t\t\t\t\t<span class='sp-eab-accordion-title-text'>\n\t\t\t\t\t\t\t\t\tBank return codes 5 and 12 (excluding 3DS)\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class='sp-eab-accordion-header-end eab-icon-animated'>\n\t\t\t\t\t\t\t\t\t\t\t\t<span class='sp-eab-expand-collapse-icon sp-d-block'>\n\t\t\t\t\t\t\t<i class='sp-eab-expand-icon eab-icon-angle-down-solid'><\/i>\n\t\t\t\t\t\t\t<i class='sp-eab-collapse-icon eab-icon-angle-up-solid'><\/i>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t<!-- accordion body -->\n\t\t\t\t\t<div class='sp-eab-accordion-content eab-content-d14a9d'>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class='sp-eab-accordion-content-wrapper'>\n\t\t\t\t\t\t\t<div class='sp-eab-accordion-body'>\n\t\t\t    \t\t\t\t\n\n<p class=\"wp-block-paragraph\">These codes come from the bank authorization and are not specific to 3DS.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Code 5<\/strong>: The bank declines the transaction without providing a specific reason (incorrect CVV or another reason we are unaware of). <em>This status does not indicate that the bank will decline authorization after further attempts<\/em>.<\/li>\n\n\n\n<li><strong>Code 12<\/strong>: The bank declines the transaction without providing a specific status. Possible causes: invalid transaction; incorrect or invalid CAVV (the <strong>CAVV<\/strong> is the authentication code provided by the <strong>ACS<\/strong> during 3DS; not to be confused with the CVV); or another reason unknown to us. <\/li>\n<\/ul>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Selecting a flow Test environment 3DS authentication errors and statuses Bank Authorization<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":16466,"menu_order":4,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[],"class_list":["post-16486","docs","type-docs","status-publish","hentry","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ \u2013 3DS 2.2 - CentralPay Documentation<\/title>\n<meta name=\"description\" content=\"CentralPay 3-D Secure 2.2 frequently asked questions: selecting the BRW\/3RI payment flow, test cards, errors, soft declines, and return codes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/documentation\/3ds-2-2-authentication\/faq-3ds-2-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ \u2013 3DS 2.2 - 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