We have been unable to process the payment on the credit card for the following reason:
  We regret to inform you that your recent transaction was declined due to 3D Secure (3DS), a security protocol mandated by Mastercard and Visa to protect cardholders against unauthorized use. To proceed with your transaction successfully, please ensure that your card is enrolled in 3D Secure. This usually involves receiving a one-time password (OTP) or a security code via SMS or email, which you'll need to authenticate the transaction. If you then encounter any difficulties, please contact Mastercard or Visa directly, depending on which company issues your card. This number can often be found on the back of your card. They will assist you in enrolling your card in 3D Secure or resolving any issues related to the authentication process.