NFC Expert Most common error 11070: 3dsecure authentication failure – causes
The first reason, which is the most common, is the lack of the required amount on the card. It is recommended to check your balance – for this you need to call the bank or enter the Internet bank. Sometimes a card has a monthly or daily spending limit. To check this, you need to call the bank.
The second reason is on the side of the payment system. For example, the Russian Railways payment terminal does not allow you to pay with MasterCard cards. Only Visa cards can be used. The specified store may not support this payment method. For example, a robokassa, which is connected to many stores, offers various payment rates.
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The third reason is that your card may be blocked. Again, you can call the bank and check it out. Blocking can be carried out by the bank automatically in case of suspicious transactions with the client.
I was confused, didn’t know what to do. At first I thought it was a store problem. But first I still called the bank. In my case, it was Promsvyazbank and a profitable card. Calling Promsvyazbank support, I was offered to first go through the authentication procedure
- Say the last 4 digits of the card number
- Name the surname name patronymic in full
- Say the code word.
The most common error that occurs when paying with a card is 11070: 3dsecure authentication error. There are 2 possible reasons for this error
- Wrong one-time code entered. You received a code, but when entering you made a mistake in the number. As a result, we got an error
- The one-time code is rotten. The time that you are given to enter a one-time code when paying is no more than 5 minutes. Then you will have to repeat the payment.
In any case, we advise you to repeat the payment process and make sure that you have entered the 3D Secure one-time password immediately upon receipt and that the password is entered correctly.
What should I do if everything is OK with the card, but the payment does not go through?
The most typical problem when a payment fails is a failure in the banking system. There may be interruptions in the work of the bank. This may not necessarily be your bank, but the bank that accepts the payment on the client side (who owns the terminal). In this case, you can give 2 tips
- Wait and pay later. Failures in work are quickly resolved and in an hour the payment can go through without problems. Usually you can find out about failures by SMS messages or by calling your bank’s hotline.
- Use another card. If you can’t pay with one card, try paying with another card. If the payment with another card does not go through, then this is most likely a failure on the side that accepts the payment. Here it remains only to wait.
Table with payment error codes.
Few people know that when paying with a card, the system usually issues an error code. For example, E00 when paying. Sometimes by mistake you can understand what the problem is
| Error code and description |
|---|
| Code 00 – successful operation. |
| Code 01 – refuse, call the bank that issued the card. |
| Code 02 – refuse, call the bank that issued the card (special conditions). |
| Code 04 – withdraw the card without giving a reason. |
| Code 05 – refuse without giving a reason. |
| Code 17 – refuse, rejected by the card user. |
| code 19 — technical error on the bank’s side |
| Code 41 – withdraw, lost card. |
| Code 43 – withdraw, stolen card. |
| code 50 – ? |
| Code 51 – refuse, there are not enough funds on the account. |
| Code 55 – refuse, incorrectly entered PIN code. |
| Code 57 – refuse, invalid transaction type for this card type (for example, an attempt to pay in a store with a card intended only for cash withdrawal). |
| Code 61 – refuse, exceeding the maximum transaction amount for this card. |
| Code 62 – refuse, blocked card. |
| Code 65 – refuse, exceeding the maximum number of transactions for this card. |
| Code 75 – refuse, exceeding the maximum number of incorrect PIN codes for this card. |
| Code 83 – refuse, network error (technical problems). |
| Code 91 – refuse, it is impossible to send a request (technical problems). |
| Code 96 – refuse, it is impossible to contact the bank that issued the card. |
| Code Z3 – online does not work, and offline the terminal rejected the transaction. |
3 useful tips when paying with a card via the Internet
First, get yourself a special card. Do not use a salary card for payment, on which you have all the money. The best is a credit card. It allows in some cases to return part of the purchase amount (CashBack). Usually this is an amount up to 5 percent of the purchase. Be careful, some services charge commissions when paying with kata. And of course, the address of the payment page should always start with https and next to the address there should be a padlock icon (https connection).
Second, don’t keep a lot of money on the card. The card should have a little more than the amount you need for the purchase. Approximately plus 10% of the total purchase price. The logic is simple – nothing can be removed from the zero card. When you make a purchase, you simply replenish your card in the Internet bank and receive the required amount.
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Third – Make card payments in well-known stores. Read reviews about stores on Yandex. Market. If you pay by card, be prepared for the fact that if you cancel an order, it may not be returned to your card immediately. The last time I made a payment for an order and then returned the order and money, the return to the card went within 7 days. Remember – no one will immediately return the money to you. Be prepared to wait.