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
06-30-2026 06:08 AM