During the transaction, the system can't verify the identity or authorization information of the cardholder, resulting in the transaction can't be completed. "Cardholder authentication failure" usually means that the system cannot verify the identity or authorization information of the cardholder during the bank card or credit card transaction, resulting in the transaction being unable to be completed. It may be because of the wrong card number and other card information that the system cannot correctly identify the card. At this time, we can know whether check card's information is correct and whether the card status is normal.