Problem with Credit Card in checkout - OTP verification | Mollie Community | Page 1

woven shuttle Jun 23, 2025, 9:40 AM

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Hey all 👋
We have a user that's trying to pay with a Visa credit card from another country.. they are being redirected to an OTP verification screen. After they complete verification they are redirected back to the credit card screen and the payment has failed.
It's also weird that 1 euro is shown here instead of one cent, which our initial payment is supposed to be. The user also mentions that the correct amount 0.01 is charged but the payment shows as failed on our side. Do you guys have
any more information for this scenario? Our other checkout scenarios are working fine. I've included the video our customer sent with this scenario. Any more information on why this scenario is happening would be greatly appreciated!

uncut galleon Jun 23, 2025, 10:16 AM

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What is your dashboard saying for this payment? We show the reason there + in the API 🙂

woven shuttle Jun 23, 2025, 12:13 PM

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Hi, checked the API. FailureReason is "The card issuer refused the payment".. Any idea why that might be?

        //...
        "cardAudience": "consumer",
        "cardLabel": "Visa",
        "cardCountryCode": "IN",
        "cardSecurity": "3dsecure",
        "failureReason": "refused_by_issuer",
        "failureMessage": "The card issuer refused the payment."
    },```

And why does the checkout navigate to the second screen if it fails? Thanks for your response! 🙂

uncut galleon Jun 23, 2025, 1:02 PM

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As the message is saying, the bank of the consumer rejected the payment. We do not know more 🙂

the reason it goes back is for the consumer to another attempt

woven shuttle Jun 23, 2025, 1:18 PM

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Thanks again for your response Rick. That makes sense, but it’s a little unclear for the user as they’re not getting a message about the failure within the checkout.. We can of course catch this within our application itself but as we’re using Mollie checkout and the user is redirected within the checkout it’s hard to handle this in a clear way for the user. Do you have any recommendations? 😁

uncut galleon Jun 23, 2025, 3:55 PM

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I agree It's not very user friendly to not show any message. (CC @odd dragon )

#Problem with Credit Card in checkout - OTP verification