Magento 2 Your payment could not be taken. Please try again or use a different payment method. Declined Trace:

Preconditions and environment

Upgrade Magento version from 2.4.5-p1 to 2.4.6-p3

Magento version 2.4.6-p3

Steps to reproduce

1 – In production environment Place order with braintree creditcard or braintree Paypal

2 – We are getting an error of “Exception message: Your payment could not be taken. Please try again or use a different payment method. Declined Trace:” on magento logs

3 – This issue is only coming for few customers

4 – 3D Secure Verification is enabled

5 – Always request 3DS is enabled

Expected result

Order should be placed successfully.

Actual result

We are getting an error of “Exception message: Your payment could not be taken. Please try again or use a different payment method. Declined Trace:” on magento logs

On Braintree portal it is showing –

Status Processor Declined

Processor Response Text Declined(2046)

Additional Processor Response 2046: PAYER_ACTION_REQUIRED