Card authentication failed — try another card or contact your bank
Authorize.net Cardinal validation (or related 3DS step) failed (premium.threeDsFailed / cardinal-validate route). Bank authentication did not succeed.
Why this happens
Member failed or abandoned the bank challenge, issuer rejected 3DS, or validation payload was invalid. Distinct from 3D Secure could not be initialized / 3D Secure is unavailable (setup/script problems before the challenge).
Diagnose and fix
1. Member: retry with the same card; complete the bank prompt; or try another card.
2. Contact the card issuer if 3DS consistently fails.
3. Admin: confirm 3DS settings with Authorize.net; review decline logs.
4. See Common payment failures and Authorize.net 3DS articles.