> Code 205 - 3-D Secure - cannot reach DS or ACS. The DS/ACS authentication servers are down, preventing the buyer from authenticating. PayZen is not responsible for this error. Updated 20 October 2026 13:10 Related articles > Code 206 - 3D Secure - A technical error occurred during the process. > Code 207 - Refusal of the authentication by the issuer (Transaction not allowed for this cardholder)”: