> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.coinflow.cash/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server. # 🛡️How to Interpret 3DS-Verified Transactions ## Exempting Customers from 3DS Processing ### When to Exempt a User from 3DS Exempting a user from 3DS allows transactions to process without additional authentication, reducing friction and improving conversion rates. This is typically applied to: * Low-risk transactions (e.g., small purchases) * Trusted, repeat customers > 🚧 Note: Some issuing banks, especially in the EU, enforce stricter fraud rules and may override 3DS exemptions, declining transactions instead. ### How to Exempt a User from 3DS Merchants can exempt a customer from 3DS by: 1. Navigating to the customer's record 2. Selecting Exempt 3DS Processing \ ## How to Interpret 3DS Transactions ### Definitions * **CAVV**: Cardholder Authentication Verification Value, a unique code confirming the cardholder's authorization. * **ECI**: Electronic Commerce Indicator, indicating the outcome of the 3DS authentication. * **DS Transaction ID**: A unique identifier for the transaction. * **Version**: The version of the 3DS authentication protocol used. * **Authentication Status**: The result of the authentication attempt (successful or failed). * **Transaction Status**: The result of the issuer's authentication process. * **Transaction Status Reason** - Codes which represent why a transaction was approved, rejected, or flagged. * **Reason Explanation** - The explanation associated with the transaction status reason code. * **Access Control Server (ACS)** refers to the 3DS authentication process that facilitates communication between the card issuer, the merchant, and the cardholder. ### Breakdown of Transaction Statuses | Transaction Status | Description | Scenarios | | ------------------- | ----------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Y (Yes)** | Authentication Successful: The cardholder was successfully authenticated, and liability typically shifts to the bank. | Returned when the cardholder successfully completes 3DS authentication. | | **A (Attempted)** | Authentication Attempted but Not Fully Verified: The issuer didn’t fully authenticate the cardholder. | Returned when authentication is attempted but not completed (e.g., issuer doesn’t support 3DS). See [Details on the A status](/guides/checkout/payment-security-risk-management/fraud-protection/3-ds/how-to-interpret-3-ds-verified-transactions#details-on-the-a-attempted-status). | | **N (No)** | Authentication Failed: The cardholder failed authentication, or the issuer denied it. The merchant assumes liability. | Returned when the cardholder’s credentials are incorrect or authentication is denied. | | **U (Unavailable)** | Authentication Could Not Be Performed: The authentication service was unavailable. | Returned when the issuer’s authentication service is down or unreachable. | | **R (Rejected)** | Authentication Rejected: The issuer explicitly rejected the authentication request. The transaction should not proceed. | Returned when the issuer rejects the authentication request due to fraud or invalid data. | | **C (Challenge)** | Challenge Required: The cardholder needs to complete additional verification (e.g., OTP, biometrics). | Returned when a second authentication step is required for higher-risk transactions. | #### Details on the **A (Attempted)** Status **When Card Networks Return A (Attempted) Instead of the Issuer**\ If the issuer doesn’t support 3DS or has authentication issues, card networks (Visa, Mastercard, etc.) step in to assess the transaction using their own fraud detection tools. * **Issuer Doesn’t Support 3DS**: The card network may return **A (Attempted)** or **U (Unavailable)** if the transaction can’t be authenticated. * **Card Network’s Role**: The network evaluates factors like transaction amount, merchant category, and transaction history. * **Outcome**: If the card network approves the transaction, the issuer assumes liability. If the transaction is rejected, **A (Attempted)** is returned, and the issuer assumes liability while the transaction fails. ### Breakdown of Transaction Status Reasons and Explanations | Transaction Status Reason Code | Reason Explanation | | ------------------------------ | ------------------------------------------------------------------------------------------------------------------ | | **00** | Authentication Successful: The cardholder’s identity was verified. | | **01** | Card authentication failed | | **02** | Unknown Device | | **03** | Unsupported Device | | **04** | Exceeds authentication frequency limit | | **05** | Expired card | | **06** | Invalid Card Number | | **07** | Invalid transaction | | **08** | No card record | | **09** | Security failure | | **10** | Stolen card | | **11** | Suspected Fraud | | **12** | Transaction not permitted to cardholder | | **13** | Cardholder not enrolled in service | | **14** | Transaction timed out at the ACS | | **15** | Low confidence | | **16** | Medium confidence | | **17** | High confidence | | **18** | Very High confidence | | **19** | Exceeds ACS maximum challenges | | **20** | Non-Payment transaction not supported | | **21** | 3RI transaction not supported | | **80 (mastercard)** | Identity Check Insights | | **80 (visa)** | Error Connecting to ACS | | **81 (visa)** | ACS Timed Out | | **82 (visa)** | Invalid Response from ACS | | **83 (visa)** | System Error Response from ACS | | **84 (visa)** | Internal Error While Generating CAVV | | **85 (visa)** | VMID not eligible for requested program | | **86 (visa)** | Protocol Version Not Supported by ACS | | **87 (mastercard)** | Transaction is excluded from Attempts Processing | | **87 (visa)** | Transaction is excluded from Attempts Processing (includes non- reloadable pre-paid cards and Non- Payments (NPA)) | | **88 (visa)** | Requested program not supported by the ACS | ### Visual Examples #### Successful 3DS Transactions #### Rejected 3DS Transactions