We’re getting 100s of reports from customers who are unable to pay via s2member direct card payment (using PayPal as the gateway). The number of reports are growing daily.
We’re using the latest version of s2member:
Version 210526 + s2Member Pro v210526
The returned error is:
Error #12002. Processor Decline. This transaction cannot be processed due to either missing, incomplete or invalid 3-D Secure authentication values.
This started off with Lloyds cards but now more and more banks and card issuers are being added to the list.
I can’t find anything relevant in s2member’s documentation or on the forum and nothing PayPal’s end as to how to fix this and Google isn’t throwing up any answers either.
I wonder if it’s related to Strong Customer Authentication (SCA) being rolled out across the UK - https://www.fca.org.uk/consumers/strong-customer-authentication?
PayPal account subscriptions are unaffected, this is only people using their card directly using an s2member form.
The extended log files don’t shed any light on the issue beyond that being the error and error code returned from PayPal.