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Users that authenticate with smart cards must have a smart card or USB smart card , and each smart card must contain a user certificate. Before issuing a certificate, you must create the certificate template. You must select either Key Storage Provider or Legacy Cryptographic Service Provider.
This means that the cardholder hasn't entered their details correctly. A 3D secure authentication error could be due to everything from a mistyped card number to an incorrect expiration date. If the error continues, the cardholder will need to contact their credit card issuer for assistance.
Payment authentication is the process of confirming a customer's identity through at least one of the following authentication factors: knowledge, inherence, ownership, and user location. Knowledge is the most common category used for transaction authentication.
Methods of Credit Card Authentication Card Verification Value (CVV) The card verification value (CVV), also sometimes called a card security code (CSC), is typically comprised of three or four digits. ... Challenge-Handshake Authentication Protocol (CHAP) ... 3D Secure 2 (3DS2) ... Address Verification System (AVS)
Set up smart card authentication Log-in to the Identity Administration portal. Click Settings > Authentication > Certificate Authorities. Provide a unique name for the trusted certificate authority. Specify the field to use for extracting the user login name from the certificate.