Payment by email (MOTO) gets rejected with the following output:
sale soft decline - SCA required.
return code: 065
The payment is being attempted through a MOTO transaction.
This error originates from a restriction from the cardholder's financial institution.
When trying to make the purchase, the transaction is rejected by the bank for not passing the 3-D authentication even though MOTO payments do not require such authentication.
To solve the issue, customers whose transactions are being declined with code 065 should ask their financial institutions to remove this restriction