When the customer tries to pay their order with two cards processed by gateway affiliations that use 3DS2 authentication, an error occurs, and it is not possible to complete the purchase at checkout.

This happens because one of the main objectives of 3DS2 is to validate customers' profiles. In some cases, users need to validate their identity by confirming some information at checkout — usually, a pop-up window will open and they must follow the instructions indicated.

Currently, however, VTEX does not support running two challenges at the same time. For this reason, customers cannot pay with two cards when both payment conditions are processed by gateway affiliations with 3DS2 enabled.

If you want to simulate the steps that lead to the error, follow the instructions below:

1. Go to the VTEX Admin.
2. Configure an acquirer that uses 3DS. For V1, acquirers must set it up. For V2, see more details in our article Setting up 3DS 2 authentication flow.
3. Configure two credit card payment methods — such as Mastercard, Visa, American Express, etc. — to be processed by the acquirer.
4. Go to your store's home page.
5. Add an item to the shopping cart and proceed to checkout.
6. Fill in the required information and proceed to payment.
7. Choose credit card as your payment method.
8. Select the option to Pay with two cards.
9. Add the information of two credit cards whose brands are configured to be processed by gateway affiliations with 3DS2 enabled.
10. An error message will be displayed, preventing the order from being placed.

You can solve this limitation by hiding the "Pay with two cards" option via customization since this is a native feature that cannot be disabled in the VTEX Admin.