CARD_DECLINED_VERIFICATION_REQUIRED - Magento2

Questions
1 
{
  "errors": [
    {
      "code": "CARD_DECLINED_VERIFICATION_REQUIRED",
      "detail": "Authorization error: 'CARD_DECLINED_VERIFICATION_REQUIRED'",
      "category": "PAYMENT_METHOD_ERROR"
    }

ApplicationID: sq0idp-hRh5WPO3t6e11ICN68a_Tw

I have been having these issues persistently with customers on our magento2 store.

We’ve updated to the latest API integration between Square and Magento and the store has been working fine for around 6 months.

Please could someone explain what the potential issue is here?

Many thanks

2

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3

The error code “CARD_DECLINED_VERIFICATION_REQUIRED” indicates that the card issuer requires further verification before the payment can be processed. This is often related to the Strong Customer Authentication (SCA) requirements for payments in the European Economic Area (EEA).

If your application supports SCA, it should handle these errors and provide a user-friendly experience for the customer to complete the additional verification steps. If the payment attempt fails due to SCA requirements, your application should display a user-friendly error message and ask the customer to re-enter the card details or complete the additional verification steps.

If your application doesn’t support SCA, you may need to update it to handle these types of payments. This could involve using the Payments.verifyBuyer() function if you provide any customer-facing payment flow taken in the United Kingdom and EU (where Square is available).

Please note that this error can also occur if the card details are incorrect or if there are insufficient funds in the account.

This answer was reviewed by @Bryan-Square.