I've seen somewhere it wasn't required for U.S businesses. However, I'm having the same issue, and the error message within the gateway log also leads to the 3D secure option. Is there a way to disable that thing for U.S based businesses????
ERRORDESC => Error Processing Lookup Request Message, Invalid Merchant Id or Processor Id, Error Validating Merchant Id Value, Invalid Transaction Password, Error Validating Processor Id Value
ERRORNO => 1002, 2002, 4020, 2020, 4000