Error messageSecureMode: 3DSecure authentication has failed
DescriptionThe 3DSecure authentication has failed.
Categories
3DSecure

Pay-in

Card

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Causes

This error may occur when:
  • Disruptions on the ACS servers (strong authentication servers of the card issuing bank) are encountered.
  • The end user is blocked by the bank after several failed strong authentication attempts.
  • The end user leaves the 3DS page (which, as a result, expires).
  • The end user clicks on a “cancel” button.
  • The bank blocks the payment.
  • The end user fails to strongly authenticate with their bank application.

​
What to do

In such cases, end users can:
  • Contact their bank to have more information.
  • Try again later and/or with another payment method.

​
Example

Please find below an example of direct card pay-in which has failed due to disruptions on the ACS server.
API Response
{
    "Id": "158514466",
    "Tag": "Created using MANGOPAY API Collection Postman",
    "CreationDate": 1671518225,
    "AuthorId": "146476890",
    "CreditedUserId": "146476890",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 25000
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 24000
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 1000
    },
    "Status": "FAILED",
    "ResultCode": "101301",
    "ResultMessage": "Secure mode: The 3DSecure authentication has failed",
    "ExecutionDate": null,
    "Type": "PAYIN",
    "Nature": "REGULAR",
    "CreditedWalletId": "148968396",
    "DebitedWalletId": null,
    "PaymentType": "CARD",
    "ExecutionType": "DIRECT",
    "SecureMode": "DEFAULT",
    "CardId": "158514405",
    "SecureModeReturnURL": "http://www.my-site.com/returnURL?transactionId=158514466",
    "SecureModeRedirectURL": null,
    "SecureModeNeeded": true,
    "Culture": "EN",
    "SecurityInfo": {
        "AVSResult": "NO_CHECK"
    },
    "StatementDescriptor": "MANGOPAY",
    "BrowserInfo": {
        "AcceptHeader": "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
        "JavaEnabled": true,
        "Language": "FR-FR",
        "ColorDepth": 4,
        "ScreenHeight": 1800,
        "ScreenWidth": 400,
        "TimeZoneOffset": 60,
        "UserAgent": "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148",
        "JavascriptEnabled": true
    },
    "IpAddress": "b7e1:aeb5:8b29:ea74:be61:ab4f:be77:0d5f",
    "Billing": {
        "FirstName": "Isaac",
        "LastName": "Larson",
        "Address": {
            "AddressLine1": "1625 Ana Flats",
            "AddressLine2": "Rutherford Hollow",
            "City": "Paris",
            "Region": "Île-de-France",
            "PostalCode": "75001",
            "Country": "FR"
        }
    },
    "Shipping": {
        "FirstName": "Celine",
        "LastName": "D'Amore",
        "Address": {
            "AddressLine1": "8669 Kelli Fort",
            "AddressLine2": "Piper Common",
            "City": "Paris",
            "Region": "Île-de-France",
            "PostalCode": "75001",
            "Country": "FR"
        }
    },
    "Requested3DSVersion": null,
    "Applied3DSVersion": "V2_1",
    "RecurringPayinRegistrationId": null
}

​
Testing

To reproduce this error, you can:
  1. Register one of our testing cards (challenge flow) available in our testing payments documentation.
  2. Make a direct card pay-in with this card (using POST Create a Direct Card PayIn).
Request example
{
    "AuthorId": "146476890",
    "CreditedUserId": "146476890",
    "CreditedWalletId": "148968396",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 25000
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 1000
    },
    "SecureModeReturnURL": "http://www.my-site.com/returnURL",
    "CardId": "158514405",
    "StatementDescriptor": "MANGOPAY",
    "Tag": "Created using MANGOPAY API Collection Postman",
    "Culture": "EN",
    "IpAddress": "{{$randomIPV6}}",
    "BrowserInfo": {
        "AcceptHeader": "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
        "JavaEnabled": true,
        "Language": "FR-FR",
        "ColorDepth": 4,
        "ScreenHeight": 1800,
        "ScreenWidth": 400,
        "TimeZoneOffset": 60,
        "UserAgent": "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148",
        "JavascriptEnabled": true       
    }
}
  1. Upon clicking on the SecureModeRedirectURL, you’re redirected to a page providing multiple scenarios for 3DS authentication. Select No, Rejected, or Unavailable for the pay-in to fail with the 101301 error.
Upon viewing your pay-in (GET View a PayIn (Direct Card) endpoint), you will see that the error 101301 is returned in the ResultCode parameter.
Response example
{
    "Id": "158514466",
    "Tag": "Created using MANGOPAY API Collection Postman",
    "CreationDate": 1671518225,
    "AuthorId": "146476890",
    "CreditedUserId": "146476890",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 25000
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 24000
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 1000
    },
    "Status": "FAILED",
    "ResultCode": "101301",
    "ResultMessage": "Secure mode: The 3DSecure authentication has failed",
    "ExecutionDate": null,
    "Type": "PAYIN",
    "Nature": "REGULAR",
    "CreditedWalletId": "148968396",
    "DebitedWalletId": null,
    "PaymentType": "CARD",
    "ExecutionType": "DIRECT",
    "SecureMode": "DEFAULT",
    "CardId": "158514405",
    "SecureModeReturnURL": "http://www.my-site.com/returnURL?transactionId=158514466",
    "SecureModeRedirectURL": null,
    "SecureModeNeeded": true,
    "Culture": "EN",
    "SecurityInfo": {
        "AVSResult": "NO_CHECK"
    },
    "StatementDescriptor": "MANGOPAY",
    "BrowserInfo": {
        "AcceptHeader": "text/html, application/xhtml+xml, application/xml;q=0.9, /;q=0.8",
        "JavaEnabled": true,
        "Language": "FR-FR",
        "ColorDepth": 4,
        "ScreenHeight": 1800,
        "ScreenWidth": 400,
        "TimeZoneOffset": 60,
        "UserAgent": "Mozilla/5.0 (iPhone; CPU iPhone OS 13_6_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/15E148",
        "JavascriptEnabled": true
    },
    "IpAddress": "b7e1:aeb5:8b29:ea74:be61:ab4f:be77:0d5f",
    "Requested3DSVersion": null,
    "Applied3DSVersion": "V2_1",
    "RecurringPayinRegistrationId": null
}