Managing Soft Decline

Operating principle

  1. The merchant website initiates a transaction in euro by disabling the 3D Secure authentication via the vads_threeds_mpi field.
  2. The buyer enters their card data on the payment page.
  3. The payment gateway performs an authorization request.
  4. The card issuer refuses the transaction with the “Soft Decline” motive.
  5. A refused transaction is created. The merchant website is not notified about this transaction.
  6. The payment gateway automatically initiates a new payment, with 3D Secure authentication, whose sequence number (vads_sequence_number) is set to 2.
  7. The buyer is prompted to perform 3D Secure authentication, without having to re-enter their card data.
  8. After 3D Secure authentication, the gateway performs a new authorization request.
  9. At the end of the payment, the transaction is created and the merchant website is notified of the payment result.