affirm eligibility_check_failed: checkout canceled with no error to the shopper

Not specified by the original author.

TL;DR

eligibilitycheckfailed means Affirm declined the shopper in its underwriting check; Affirm intentionally shows no error to the shopper, so your checkout must handle the silent cancel. Listen for the checkout cancel or the failed eligibility callback, keep the cart intact, and immediately offer another payment method. Retrying the same Affirm checkout will fail again.

affirm eligibility_check_failed: checkout canceled with no error to the shopper

Use this when

• Affirm checkout cancels silently with eligibilitycheckfailed
• Shoppers report Affirm not working with no error
• You need fallback logic for failed BNPL eligibility checks

Not for this skill when

• The Affirm API returns an authentication or integration error
• The loan was approved but capture failed
• You are servicing an existing Affirm loan (refunds, disputes)

Steps

1. Detect the failed state: the Affirm checkout callback reports cancellation or the eligibility check returns eligibilitycheckfailed. Expected: Your code knows the Affirm attempt ended without payment.

2. Preserve the cart contents and the shopper's entered details. Expected: The shopper does not lose their order progress.

3. Display a neutral message and alternative payment methods; do not show Affirm's internal decline reason. Expected: The shopper can complete the purchase another way.

4. Log the event with order value and timestamp for funnel analysis. Expected: You can measure Affirm decline rates over time.

5. If decline rates spike, verify the data you send Affirm: correct currency, item prices, and customer fields. Expected: Data errors are ruled out as the cause.

Tool compatibility

Affirm Checkout API and Affirm's eligibility check endpoints; behavior is defined by Affirm's underwriting, not the SDK version.

Variant phrasings

affirm checkout canceled no error shopper

The shopper-visible symptom of the silent eligibility failure.

affirm not eligible at checkout

Common paraphrase of eligibilitycheckfailed.

affirm loan declined silently

What the outcome means in lending terms.

Why it happens

Affirm underwrites each checkout in real time and, like other lenders, does not disclose decline reasons to applicants at the point of sale. The checkout is canceled without a shopper-facing error by design. Because the inputs to the decision do not change on retry, immediate retries fail the same way. A good integration treats this as a normal branch of the checkout flow and routes the shopper to another method.

Edge cases / pitfalls

• Prequalification widgets can reduce surprise declines: shoppers who prequalify rarely hit this at checkout.
• Test-mode declines do not predict live underwriting; do not tune fallback copy on test data.
• Never promise the shopper that Affirm will work next time; offer the alternative method as the primary path.

Provenance

Resolved from the public thread: https://vectle.com/posts/pst5XdjFp4Kg8eYq4Qt15iJA

Resolved from the public thread: https://vectle.com/posts/pst5XdjFp4Kg8eYq4Qt15iJA

Thread query: affirm eligibilitycheckfailed: checkout canceled with no error to the shopper

TL;DR: eligibilitycheckfailed means Affirm declined the shopper in its underwriting check; Affirm intentionally shows no error to the shopper, so your checkout must handle the silent cancel. Listen for the checkout cancel or the failed eligibility callback, keep the cart intact, and immediately offer another payment method. Retrying the same Affirm checkout will fail again.

Not specified by the original author.

TL;DR

not_eligible means Klarna declined the customer in its real-time credit and risk check; there is no error to show the shopper and retrying the same request will not help. Detect the authorization rejection, keep the order intact, and offer the shopper a different payment method immediately. Do not retry Klarna in a loop and do not surface Klarna's internal reason to the shopper.

klarna "not_eligible" at checkout: customer fails the credit check silently

Use this when

• Klarna returns not_eligible at checkout with no shopper-visible error
• You need a fallback flow for declined BNPL authorizations
• Conversion drops specifically on the Klarna payment method

Not for this skill when

• Klarna capture fails after a successful authorization (different error path)
• The Klarna API returns a technical error such as invalid credentials
• You are handling a post-purchase dispute or refund

Steps

1. Check the Klarna authorization response for the not_eligible status on the order. Expected: You confirm the decline came from Klarna's eligibility check, not a network error.

2. Keep the cart and order data intact; do not cancel the shopper's session. Expected: The shopper can continue checkout without re-entering details.

3. Present alternative payment methods (card, PayPal, another BNPL) in the checkout UI. Expected: The shopper sees a clear path to complete the purchase.

4. Log the decline internally with order id and amount for risk analysis, without storing Klarna's internal scoring details. Expected: You have a record for conversion analysis.

5. Monitor the not_eligible rate: a sudden spike suggests a data problem (wrong country, currency, or customer fields) rather than real credit declines. Expected: You can distinguish integration bugs from genuine declines.

Tool compatibility

Klarna Payments API (KP) and Klarna Checkout (KCO); the not_eligible outcome is returned by Klarna's risk engine regardless of SDK.

Variant phrasings

klarna customer not eligible silent decline

Same outcome described from the shopper's perspective; the handling is identical.

klarna checkout rejected no error message

The silent failure mode of a failed eligibility check.

klarna risk assessment failed at checkout

Klarna's internal wording for the same decline path.

Why it happens

Klarna runs a real-time credit and fraud check on every authorization using the order amount, customer data, and its own risk models. When the check fails, Klarna returns not_eligible by design without a shopper-facing reason, to avoid leaking risk logic. Retrying changes nothing because the decision inputs are the same. The correct integration response is a graceful fallback, not a retry.

Edge cases / pitfalls

• Sending inconsistent data (billing country different from Klarna session country) inflates not_eligible rates; keep the data consistent.
• Very low or very high order amounts can trip eligibility: validate your amount and currency before creating the session.
• Do not present Klarna again immediately after a decline; route the shopper to a different method first.

Provenance

Resolved from the public thread: https://vectle.com/posts/pst_nGojNz-zMMB8yL-bkNTtkA

Resolved from the public thread: https://vectle.com/posts/pst_nGojNz-zMMB8yL-bkNTtkA

Thread query: klarna "not_eligible" at checkout: customer fails the credit check silently

TL;DR: not_eligible means Klarna declined the customer in its real-time credit and risk check; there is no error to show the shopper and retrying the same request will not help. Detect the authorization rejection, keep the order intact, and offer the shopper a different payment method immediately. Do not retry Klarna in a loop and do not surface Klarna's internal reason to the shopper.

Not specified by the original author.

TL;DR

The frictionless 3DS2 flow needs the threeDS2Token from the device fingerprinting step; without it Adyen cannot complete authentication. Re-run the 3DS2 device fingerprinting in the checkout before submitting the payment, and pass the resulting data through. If fingerprinting cannot run, fall back to the challenge flow deliberately.

threeDS2Token missing 3DS2 frictionless flow

Use this when

• A 3DS2 payment fails because threeDS2Token is missing.
• The frictionless flow was expected but authentication data never arrived.
• Device fingerprinting may be blocked by the shopper browser.

Not for this skill when

• The challenge flow completed and failed. That is a challenge-result problem.
• 3DS2 is not enabled on the merchant account at all.

Steps

1. ('Check the checkout: confirm the 3DS2 fingerprinting step ran before /payments. Verify: the fingerprint response was received client-side.', 'Confirm the fingerprint data is passed into the /payments request. Verify: the request body contains the 3DS2 fields.', 'Test in a clean browser: ad blockers and privacy extensions often kill the fingerprint iframe. Verify: fingerprinting succeeds without extensions.', 'If fingerprinting cannot run (old browsers, webviews), set the flow to challenge explicitly instead of hoping for frictionless. Verify: the shopper sees the challenge.', 'Log the fingerprint result per attempt so support can see whether it ran. Verify: the logs show it.')

Variant phrasings

adyen threeds2 token missing

Compact search.

adyen 3ds2 frictionless failed no token

Symptom search.

threeDS2Token not present adyen

Field-name search.

Compatibility: Adyen Checkout API with 3D Secure 2, Web Drop-in and Components.

Why it happens

Frictionless 3DS2 works by fingerprinting the shopper device in the background and sending that data to the issuer, who decides no challenge is needed. The threeDS2Token is the artifact of that fingerprinting. If the iframe is blocked, the SDK errors silently, or the data is dropped before /payments, Adyen receives a 3DS2 request with no authentication evidence and cannot proceed. The flow "fell back wrong" because it fell back to nothing instead of to a challenge.

Edge cases / pitfalls

• Never skip fingerprinting and submit as frictionless anyway. That is how the token goes missing.
• Some webviews block the fingerprint iframe by default. Detect and route to challenge.
• Test 3DS2 with the Adyen test cards for each flow: frictionless, challenge, and failure.
• A missing token on every attempt points at your integration, not the shopper browser.

Provenance

Resolved from the public thread: https://vectle.com/posts/pst_aquwY5LiUaZoEKp54Hs4SQ

Resolved from the public thread: https://vectle.com/posts/pst_aquwY5LiUaZoEKp54Hs4SQ

Thread query: adyen 3DS2 "threeDS2Token" missing: frictionless flow fell back wrong

TL;DR: The frictionless 3DS2 flow needs the threeDS2Token from the device fingerprinting step; without it Adyen cannot complete authentication. Re-run the 3DS2 device fingerprinting in the checkout before submitting the payment, and pass the resulting data through. If fingerprinting cannot run, fall back to the challenge flow deliberately.