Card authentication failed.
Exceeds authentication frequency limit.
Invalid card number.
No card record.
Transaction not permitted for cardholder.
Cardholder not enrolled in service.
Transaction timed out at ACS.
Very high confidence.
Exceeds ACS maximum challenges.
Non-payment transaction not supported.
3RI transaction not supported.
ACS technical issue.
Decoupled Authentication required by ACS but not requested by 3DS Requestor.
3DS Requestor decoupled max expiry time exceeded.
Decoupled Authentication was provided insufficient time to authenticate cardholder. ACS will not make attempt.
Authentication attempted but not performed by the cardholder.