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

3DSecure

Pay-in

Card

​
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": "Ile-de-France",

            "PostalCode": "75001",

            "Country": "FR"

        }

    },

    "Shipping": {

        "FirstName": "Celine",

        "LastName": "D'Amore",

        "Address": {

            "AddressLine1": "8669 Kelli Fort",

            "AddressLine2": "Piper Common",

            "City": "Paris",

            "Region": "Ile-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

}

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