3D Secure could not be initialized
Authorize.net premium checkout tried to start Cardinal/Songbird 3-D Secure (premium.threeDsSetupFailed) and failed — JWT fetch error, missing Songbird URL, or script init exception.
Why this happens
3DS is enabled in checkout config but /api/checkout/authorize-net/cardinal-jwt failed, Songbird could not load, or browser blocked the script. Distinct from later “3D Secure is unavailable” / challenge failures (next phases).
Diagnose and fix
1. Admin: Authorize.net — confirm API credentials, 3DS/Cardinal settings, and Songbird URL.
2. Member: hard refresh; allow third-party scripts; try another browser/card.
3. Temporarily disable 3DS only if policy allows and non-3DS checkout is acceptable.
4. See Authorize.net and Common payment failures.