Please read this below important message from Worldpay if you use their services.
Message from WorldPay:-
"... Having double checked, ZPeCommerce as a Partner seems to be 3DS1 enabled according to our records however, many of your trading Merchants are not…please can you try to make sure that they “switch this on” and/or contact WorldPay in order to do so. We are obliged to make you, as our Partner aware of the increased soft declines and necessity to be up-to-date regarding the SCA mandate."
If you have any questions about the above information - please contact Worldpay directly and they will be happy to help you.