Recurly 3D Secure (SCA) Declines on Renewals

How to fix it

Try these in order — the most common fix is first.

1. 1. Enable 3DS2 dunning

   Copy steps
   1. Follow Recurly's dunning configuration for 3DS2 declines
   2. Keep the 3DS2 Decline email template active
   Did this fix it? Yes No

2. 2. Collect cards through your own front end

   1. Integrate Recurly.js with 3DS2 so authentication happens at signup
   Did this fix it? Yes No

3. 3. Ask the customer to authenticate on the hosted page

   Copy steps
   1. Send the hosted invoice or account link
   2. Complete the bank challenge, then retry the invoice
   Did this fix it? Yes No

Symptoms

Renewal invoice goes past due, customer gets a 3DS2 Decline email.

Why it happens

• Issuer enforces SCA even on merchant-initiated retries
• Card added only via API or Admin UI without 3DS
• Dashboard-created payments do not trigger the 3DS redirect

This guide also covers

• recurly 3d secure
• recurly sca decline
• recurly 3ds2 decline email

Other Recurly errors

• How to Cancel Recurly Subscription
• Recurly Payment Declined or Transaction Failed
• Recurly Webhook Not Received or Missed
• Recurly Refund Creates a New Invoice (Credit Invoice)
• Recurly NetSuite Invoice and Payment Sync Errors
• Recurly QuickBooks Online Integration Errors
• Recurly Admin Console Logs Out Automatically
• Recurly Unexpected Overage and Billing Fees