See below how to display the 3DS action that is required.The PaymentIntent transitions to a status of requires_action: When Stripe receives 3D Secure flow information from the issuer, we attempt authentication.Required–Stripe starts the 3D Secure authentication flow by contacting the card issuer’s 3D Secure Access Control Server (ACS) and starting the 3D Secure flow.In that case, the PaymentIntent transitions to a status of processing. Depending on the reason 3D Secure was triggered it may be permissible to continue to authorization for the charge. Not supported–The PaymentIntent transitions to a status of requires_payment_method.If requested by the issuer with a soft decline, we automatically reattempt and continue as if required. The PaymentIntent transitions to a status of processing. Not required–For instance due to an exemption, Stripe attempts the charge.Stripe assesses if the transaction supports and requires 3D Secure based on regulatory mandates, Radar rules, manual API requests, issuer soft declines, and other criteria.The end user enters their payment information, which confirms a PaymentIntent, SetupIntent, or attaches a PaymentMethod to a Customer.In a typical Payment Intent API flow that triggers 3D Secure: Depending on what frontend you use this might require you to display the 3DS Flow. When 3D Secure is triggered, Stripe requires your end user to perform authentication to complete the payment if 3DS authentication is available for a card. However, not all transactions support 3D Secure, for example wallets or off-session payments. You can also use Radar rules or the API to control when to prompt your end users to complete 3DS authentication, making a determination for each user based on the desired parameters. Stripe triggers 3DS automatically if required by a regulatory mandate such as Strong Customer Authentication or requested by an issuer with the soft decline code authentication_required. Controlling when to present the 3D Secure flow Want to use Stripe’s 3D Secure service with other processors? Contact support. 3DS is optional in other regions but you can still use it as a tool to reduce fraud. The Strong Customer Authentication regulation as part of PSD2 in Europe and similar regulations in the UK, India and Australia may require the use of 3DS for card payments. Watch our video for an example of an authenticated checkout flow. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. Complies with Strong Customer Authentication regulation in Europe.įor extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. ![]() ![]() Leverages benefits from Dynamic 3D Secure.To continue using 3D Secure, adopt the Payment Intents API or Setup Intents API. Major card brands no longer support 3D Secure 1.
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