Magento 2 Your payment could not be taken. Please try again or use a different payment method. Declined Trace:

Question

Preconditions and environment

Upgrade Magento version from 2.4.5-p1 to 2.4.6-p3

Magento version 2.4.6-p3

Steps to reproduce

1 - In production environment Place order with braintree creditcard or braintree Paypal

2 - We are getting an error of "Exception message: Your payment could not be taken. Please try again or use a different payment method. Declined Trace:" on magento logs

3 - This issue is only coming for few customers

4 - 3D Secure Verification is enabled

5 - Always request 3DS is enabled

Expected result

Order should be placed successfully.

Actual result

We are getting an error of "Exception message: Your payment could not be taken. Please try again or use a different payment method. Declined Trace:" on magento logs

On Braintree portal it is showing -

Status Processor Declined

Processor Response Text Declined(2046)

Additional Processor Response 2046: PAYER_ACTION_REQUIRED

Answer 1

This isn't an issue originating from your end. The error code (2046) from Braintree, indicating a declined transaction, suggests that the problem lies with "The customer's bank being unwilling to accept the transaction."

Reference Link : https://developer.paypal.com/braintree/articles/control-panel/transactions/declines