2002: Payment Requires Authentication

What This Means

This error means the customer's bank requires additional cardholder authentication — such as 3-D Secure (3DS) or Strong Customer Authentication (SCA) — before the payment can be approved. QPilot processes Scheduled Orders as off-session (automatic) charges, and this kind of step-up authentication requires the customer to be present to approve the payment. Because it cannot be completed automatically during scheduled processing, the charge could not be finalized.

Note: This is not a card decline. The payment method itself has not been rejected — the bank is simply asking the customer to verify the transaction directly.

Common Causes For This Error

• The issuing bank flagged the charge for Strong Customer Authentication (3DS / SCA).
• The card requires the customer to approve the payment interactively before it can be charged.

Suggested Next Steps

1. Review the Processing Cycle for the Scheduled Order to confirm that the charge stopped because authentication was required.
2. Have the customer complete the authentication. Because a scheduled (off-session) charge cannot prompt the customer, the payment needs to be completed in a context where the customer is present — for example, by placing an on-session order.
3. Alternatively, the customer can switch to a card that does not require step-up authentication.

Note: Because this is not a decline, QPilot does not send an automatic "update your payment method" dunning email for this error. The resolution is for the customer to complete authentication or switch to a card that does not require it — not simply to re-enter the same payment details.

After Resolving The Issue

Once the customer has completed authentication or switched to a card that does not require it, use the action to Restart Processing the Failed Scheduled Order.