3ds / sca issues only in production

Questions
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1

I’m having issues with visa in UK I have tried with credit and debit cards from TSB, Halifax and Lloyds. No verification popup shows.

When I try with AMEX a verification pops up and I receive a text message.

I’m developing a kiosk software using wpf and .net 8. The front end is being hosted in WebView2.

The issue is only in production.

This is an example error (I used my own card for this, and there are no messages in my banking app. I get the same error if I use my real details):

Square Payments API returned 400 BadRequest:
{“errors”: [{“code”: “GENERIC_DECLINE”,“detail”: “Authorization error: ‘GENERIC_DECLINE’”,“category”: “PAYMENT_METHOD_ERROR”}],“payment”: {“id”: “xwyLE0yFNwHucAoHtbQXdzyMfNDZY”,“created_at”: “2026-07-01T14:16:55.679Z”,“updated_at”: “2026-07-01T14:16:55.708Z”,“amount_money”: {“amount”: 100,“currency”: “GBP”},“status”: “FAILED”,“delay_duration”: “PT168H”,“source_type”: “CARD”,“card_details”: {“status”: “FAILED”,“card”: {“card_brand”: “VISA”,“last_4”: “2914”,“exp_month”: 1,“exp_year”: 2028,“fingerprint”: “sq-1-6h7U-GYeGE4dgKsOQD4Yckc_H0VV_GT55cnqODKhhRZEsc5QBWTGUt65_Y5-r2fxAQ”,“card_type”: “DEBIT”,“prepaid_type”: “NOT_PREPAID”,“bin”: “476367”},“entry_method”: “KEYED”,“errors”: [{“code”: “GENERIC_DECLINE”,“detail”: “Authorization error: ‘GENERIC_DECLINE’”,“category”: “PAYMENT_METHOD_ERROR”}],“card_payment_timeline”: {“authorized_at”: “2026-07-01T14:16:55.708Z”}},“location_id”: “LF8HFB22GWTKM”,“order_id”: “e2x7q3DLjwnGACXVOUdk5D69cvaZY”,“buyer_email_address”: “[email protected]”,“billing_address”: {“address_line_1”: “Any Road”,“locality”: “Any Town”,“administrative_district_level_1”: “ANY CITY”,“postal_code”: “PostCode”,“country”: “GB”},“note”: “WPF .NET 8 WebView2 Square 3DS sample”,“total_money”: {“amount”: 100,“currency”: “GBP”},“approved_money”: {“amount”: 0,“currency”: “GBP”},“delay_action”: “CANCEL”,“delayed_until”: “2026-07-08T14:16:55.679Z”,“application_details”: {“square_product”: “ECOMMERCE_API”,“application_id”: “sq0idp-mNsJUNx0U_oWidi4IfoSxA”},“version_token”: “0Rx3yTXmWSrTrzGwWj0ukndRraHIQtTcF34NyUyAE4Z6o”}}

2

Hey @Reuven! It doesn’t look like the issues you’re having are necessarily related to 3DS/SCA.

The GENERIC_DECLINE comes from the card issuer (typically a bank). In these cases, Square attempted to process the payment, but was told by the bank that they are not accepting the payment. Unfortunately, banks do not always provide detailed information about why a particular payment is declined, hence the “generic” error message.

Declines can happen for any number of reasons — it’s possible the bank suspects it may be a fraudulent payment, or it could simply be a case of incorrectly entered card information. If you contact the issuer of the card you’re testing with, they may be able to provide more information on why it declined.

4

Hi, I have tried with cards from different providers. Visa always fails with the same error. AMEX works.
It doesn’t even try processing the payment, and there is no sign on the banking app for a failed transaction

5

I’ve just been on the phone to TSB. They say that there are no card declines or requests of any kind. the transaction has not reached their end.

Just to be clear:

  1. The app is WPF.
  2. I’m displaying the web payments page in a WebView2 browser.
  3. AMEX pops up the 3ds page and sends a text to my mobile.
  4. VISA shows the error - without going through the bank.
  5. The issue occurs as soon as I click PAY.
  6. I have tried with a static html.
  7. I have tried using the SetVirtualHostNameToFolderMapping option.
  8. I have tried hosting the page using devtunnel.
  9. I receive a canon.
  10. The issue occurs on the line “var result = await _paymentsClient.CreatePaymentAsync(_settings, _checkout, payload.Token, CancellationToken.None);”
  11. The _settings are correct
  12. _checkout is correct
  13. payload.Token is a valid cnon.
  14. It happens with all VISAs
  15. AMEX does work (with sms validation)
    The issue persists no matter what
6

sorry item 9 should read: I receive a cnon.