All Worldpay codes
WORLDPAY · REFUSAL CODE

Worldpay
65

Exceeds withdrawal count limit, or authentication requested (soft decline: the customer must be authenticated).

Worldpay saysSoft decline
65

Exceeds withdrawal count limit, or authentication requested (soft decline: the customer must be authenticated).

What it means

Authentication required

The issuer will only approve this payment after 3-D Secure authentication.

What to do

Send the payment again with 3DS. In regulated markets, make sure exemptions fall back to a challenge.

Worth retryingWho can fix it: You, the merchant
Yuno response codeTHREE_D_SECURE_REQUIRED
Source:Worldpay docs — Refusal response codes (Access Worldpay)

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.