In such cases, end users need to contact their bank.
{
"Id":"3352204488",
"Tag":"Custom meta",
"CreationDate":1678191358,
"AuthorId":"3123184447",
"CreditedUserId":"312444737",
"DebitedFunds":{
"Currency":"EUR",
"Amount":500
},
"CreditedFunds":{
"Currency":"EUR",
"Amount":500
},
"Fees":{
"Currency":"EUR",
"Amount":0
},
"Status":"FAILED",
"ResultCode":"008515",
"ResultMessage":"Authentication not available: do not benefit from liability shift",
"ExecutionDate":null,
"Type":"PAYIN",
"Nature":"REGULAR",
"CreditedWalletId":"3123187739",
"DebitedWalletId":null,
"PaymentType":"CARD",
"ExecutionType":"WEB",
"RedirectURL":"https://api.mangopay.com/redirecturl",
"ReturnURL":"https://ReturnURL",
"TemplateURL":"https://api.mangopay.com/TemplateURL",
"CardType":"CB_VISA_MASTERCARD",
"Culture":"FR",
"SecureMode":"DEFAULT",
"StatementDescriptor":null
}