diff --git a/Podfile.lock b/Podfile.lock
index 2f24f42..3878aeb 100644
--- a/Podfile.lock
+++ b/Podfile.lock
@@ -25,4 +25,4 @@ SPEC CHECKSUMS:
 
 PODFILE CHECKSUM: 31ceadafb7a670350be1722f7ac2941417d82516
 
-COCOAPODS: 1.10.0
+COCOAPODS: 1.10.1
diff --git a/Xendit.podspec b/Xendit.podspec
index 87ee9a1..d2b0582 100755
--- a/Xendit.podspec
+++ b/Xendit.podspec
@@ -1,6 +1,6 @@
 Pod::Spec.new do |s|
   s.name         = "Xendit"
-  s.version      = "3.2.0"
+  s.version      = "3.3.0"
   s.summary      = "Xendit is an API for accepting payments online"
   s.homepage     = "https://www.xendit.co"
   s.license      = "MIT"
diff --git a/Xendit/Models/XenditAuthenticatedToken.swift b/Xendit/Models/XenditAuthenticatedToken.swift
index 86e8c31..09616fe 100644
--- a/Xendit/Models/XenditAuthenticatedToken.swift
+++ b/Xendit/Models/XenditAuthenticatedToken.swift
@@ -37,6 +37,9 @@ import Foundation
     // Credit card metadata
     open var cardInfo : XenditCardMetadata?
     
+    // Failure reason
+    open var failureReason : String?
+    
     func getPayerAuthenticationUrl() -> String? {
         return authenticationURL;
     }
@@ -51,6 +54,7 @@ import Foundation
         if environment != nil { json["environment"] = environment }
         if threedsVersion != nil { json["threeds_version"] = threedsVersion }
         if cardInfo != nil { json["card_info"] = cardInfo?.toJsonObject() }
+        if failureReason != nil { json["failure_reason"] = failureReason }
         return json
     }
     
@@ -68,5 +72,6 @@ import Foundation
         self.environment = response["environment"] as? String
         self.threedsVersion = response["threeds_version"] as? String
         self.cardInfo = XenditCardMetadata(response: response["card_info"] as? [String : Any])
+        self.failureReason = response["failure_reason"] as? String
     }
 }
diff --git a/Xendit/Models/XenditAuthentication.swift b/Xendit/Models/XenditAuthentication.swift
index 2491dbc..ef8742d 100644
--- a/Xendit/Models/XenditAuthentication.swift
+++ b/Xendit/Models/XenditAuthentication.swift
@@ -31,6 +31,11 @@ import Foundation
     
     open var cardInfo: XenditCardMetadata?
     
+    // 3DS version
+    open var threedsVersion : String?
+    
+    // Failure reason
+    open var failureReason : String?
     
     func getPayerAuthenticationUrl() -> String? {
         return authenticationURL
@@ -45,6 +50,8 @@ import Foundation
         if requestPayload != nil { json["pa_res"] = requestPayload }
         if maskedCardNumber != nil { json["masked_card_number"] = maskedCardNumber }
         if cardInfo != nil { json["card_info"] = cardInfo?.toJsonObject() }
+        if threedsVersion != nil { json["threeds_version"] = threedsVersion }
+        if failureReason != nil { json["failure_reason"] = failureReason }
         return json
     }
 
@@ -64,6 +71,8 @@ import Foundation
         self.maskedCardNumber = response["masked_card_number"] as? String
         self.tokenId = response["credit_card_token_id"] as? String
         self.cardInfo = XenditCardMetadata(response: response["card_info"] as? [String: Any])
+        self.threedsVersion = response["threeds_version"] as? String
+        self.failureReason = response["failure_reason"] as? String
     }
 }
 
diff --git a/Xendit/Models/XenditCCToken.swift b/Xendit/Models/XenditCCToken.swift
index 7a3ba13..09e6b47 100755
--- a/Xendit/Models/XenditCCToken.swift
+++ b/Xendit/Models/XenditCCToken.swift
@@ -30,6 +30,9 @@ import Foundation
     
     open var cardInfo : XenditCardMetadata?
     
+    // Failure reason
+    open var failureReason : String?
+    
     func toJsonObject() -> [String : Any] {
         var json: [String: Any] = [:]
         if id != nil { json["id"] = id }
@@ -39,6 +42,7 @@ import Foundation
         if maskedCardNumber != nil { json["masked_card_number"] = maskedCardNumber }
         if should3DS != nil { json["should_3ds"] = should3DS }
         if cardInfo != nil { json["card_info"] = cardInfo!.toJsonObject() }
+        if failureReason != nil { json["failure_reason"] = failureReason }
         return json
     }
 }
@@ -60,6 +64,9 @@ import Foundation
             self.cardInfo = XenditCardMetadata(response: response["card_info"] as? [String : Any])
         }
         
+        if (response["failure_reason"] != nil) {
+            self.failureReason = (response["failure_reason"] as? String)
+        }
     }
 }
 
@@ -73,6 +80,7 @@ import Foundation
         self.authenticationURL = authenticatedToken.authenticationURL
         self.maskedCardNumber = authenticatedToken.maskedCardNumber
         self.cardInfo = authenticatedToken.cardInfo
+        self.failureReason = authenticatedToken.failureReason
     }
 }
 
@@ -86,6 +94,8 @@ import Foundation
         self.authenticationURL = authentication.authenticationURL
         self.maskedCardNumber = authentication.maskedCardNumber
         self.cardInfo = authentication.cardInfo
+        self.failureReason = authentication.failureReason
+
     }
 }
 
diff --git a/Xendit/Utils/CreditCard.swift b/Xendit/Utils/CreditCard.swift
index 9fbc74e..ee38c07 100644
--- a/Xendit/Utils/CreditCard.swift
+++ b/Xendit/Utils/CreditCard.swift
@@ -72,6 +72,16 @@ class CreditCard {
         return false
     }
     
+    // Check 3DS EMV version
+    public static func is3ds2Version(version: String?) -> Bool {
+        if version != nil {
+            let index = version!.index(version!.startIndex, offsetBy: 1)
+            let currentMajorVersion = Int(version![..<index])!
+            return currentMajorVersion >= 2
+        }
+        return false
+    }
+    
       // Get Card Type
       internal static func getCardType(cardNumber: String) -> CYBCardTypes {
           if cardNumber.hasPrefix("4") {
diff --git a/Xendit/XDTCards.swift b/Xendit/XDTCards.swift
index a06b901..21a2a1e 100644
--- a/Xendit/XDTCards.swift
+++ b/Xendit/XDTCards.swift
@@ -150,6 +150,13 @@ public class XDTCards: CanTokenize, CanAuthenticate {
         }
         
         XDTApiClient.createAuthenticationRequest(publishableKey: publishableKey!, tokenId: tokenId, bodyJson: requestBody, extraHeader: header) { (authentication, error) in
+            if error == nil &&
+                (authentication?.status == "VERIFIED" || !CreditCard.is3ds2Version(version: authentication?.threedsVersion)) {
+                // Handle frictionless flow & 3ds version 1.0
+                let token = XenditCCToken.init(tokenId: tokenId, authentication: authentication!)
+                return completion(token, nil)
+            }
+
             if error != nil ||
                 authentication?.status == "FAILED" ||
                 authentication?.authenticationTransactionId == nil ||
@@ -166,12 +173,6 @@ public class XDTCards: CanTokenize, CanAuthenticate {
             }
             let authenticationTransactionId = authentication?.authenticationTransactionId
             let requestPayload = authentication?.requestPayload
-            let status = authentication?.status
-            if status == "VERIFIED" {
-                // Handle frictionless flow
-                let token = XenditCCToken.init(tokenId: tokenId, authentication: authentication!)
-                return completion(token, nil)
-            }
             
             let xdtDelegate = XDTValidationDelegate(completion: { (response, jwt, error) in
                 verifyAuthentication(authentication: authentication!) { (authentication, error) in
@@ -251,7 +252,7 @@ public class XDTCards: CanTokenize, CanAuthenticate {
         
         if status != nil {
             if status == "IN_REVIEW" {
-                if authenticatedToken?.threedsVersion == "2.0" && jwt != nil {
+                if CreditCard.is3ds2Version(version: authenticatedToken?.threedsVersion) && jwt != nil {
                     handleEmv3DSFlow(fromViewController: fromViewController, tokenId: tokenId, environment: authenticatedToken!.environment!, amount: amount, jwt: jwt!, onBehalfOf: onBehalfOf, completion: completion)
                 } else if let authenticationURL = authenticatedToken?.authenticationURL {
                     cardAuthenticationProvider.authenticate(