3DS Payer Authentication Challenge OTP Submit not working

seenivasan — Tue, 30 Jun 2026 13:08:38 GMT

Hello Support Team,

We are experiencing an issue with the 3DS Payer Authentication challenge flow.

Issue:
After the cardholder enters the OTP and submits the challenge, the request is sent to the following endpoint:

https://centinelapistag.cardinalcommerce.com/V1/TermURL/2.0/CCA

This issue started occurring recently. The same implementation was previously working without any changes on our side.

Expected Behavior:
After the OTP is submitted successfully, the challenge should complete and return the authentication result.

Actual Behavior:
The POST request to the TermURL endpoint returns HTTP 400 Bad Request, preventing the authentication flow from completing.

Could you please investigate whether there are any issues with the Cardinal staging environment or if there have been any recent changes that could cause this behavior? Please let us know if you require any additional information, such as HAR files, request/response details, transaction identifiers, or server logs.

Thank you for your assistance.

Best regards,

Seenivasan

Re: 3DS Payer Authentication Challenge OTP Submit not working

seenivasan — Wed, 01 Jul 2026 06:12:49 GMT

Hi,

The issue appears to be resolved now. We have retested the 3DS Payer Authentication Challenge flow, and the OTP submission is working correctly. We are no longer receiving the 400 Bad Request response, and the authentication process completes successfully.

Thank you for your assistance.

topic Re: 3DS Payer Authentication Challenge OTP Submit not working in cybersource APIs

3DS Payer Authentication Challenge OTP Submit not working

Re: 3DS Payer Authentication Challenge OTP Submit not working