Checkout.com saysSoft decline
20159ACS Malfunction
What it means
Authentication failed
The shopper did not pass, or did not finish, the 3-D Secure challenge.
What to do
Let the shopper try again or choose another method. Check 3DS drop-off if this happens often.
Worth retryingWho can fix it: The shopper
Yuno response codeAUTHENTICATION_FAILED_THREE_D_SECURE
Reference only. Codes and descriptions come from each provider's public documentation. The Yuno response code is a reference mapping and does not guarantee how a specific transaction is processed.