> Code 39 - 3D Secure refused for the transaction. The buyer did not enter the correct code during 3D Secure authentication. The payment has been refused. Updated 20 October 2026 13:10 Related articles > Code 149 - The payment session has expired > Code 207 - Refusal of the authentication by the issuer (Transaction not allowed for this cardholder)”: > Understanding an authentication refusal > Code 59 - Suspected fraud > Checking your refunds