I receive an error “merchant not participating", what does this mean?

This usually occurs in the 3D secure lookup and 3D secure cannot be completed on this card type (Visa or MasterCard) until this has been rectified.

The transaction will not necessarily be declined ,but the 3D secure status will not be available. To rectify this you will need to contact your merchant bank to have them check if Visa or MasterCard(depending on the card type giving this error) have been loaded correctly for your merchant account.

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