ToolerCat / Decline Codes / Decline code 65 — Exceeds frequency limit / SCA required

Decline code 65 — Exceeds frequency limit / SCA required

Exceeds frequency limit / SCA required. In the EEA Mastercard uses 65 as the "soft decline" for missing SCA. Retry the payment with 3DS.

Mastercard response code 65.

Code

65 Mastercard

Meaning

Exceeds frequency limit / SCA required

Type

soft decline

Retry?

Yes, with 3DS

What to do

In the EEA Mastercard uses 65 as the "soft decline" for missing SCA. Retry the payment with 3DS.

Tell the customer

“Please authenticate this payment with your bank.”