While trying a 3DS transaction, you may receive an API response with errorCode 105:
{ "status":422, "errorCode":"105", "message":"Invalid paRes from issuer", "errorType":"validation" }
You can see possible causes of this error in our errors documentation.
If you have checked the above link and ruled out any configuration mistakes in your integration, the issue lies with the cardholder's issuing bank.
If the error happens continuously, the shopper will need to contact their issuing bank.