Follow the instructions below to process a test transaction that simulates the card issuer declining the payment due to an absence of Strong Customer Authentication (SCA), known as a Soft decline:
Process a transaction that is NOT authenticated with 3D Secure, with mainamount 65.65 (or baseamount 6565) to our testing environment (using your test sitereference), and you will be returned errorcode 71000, indicating Soft decline.