This error means the payment method failed authentication (usually 3DS or bank auth).
What to do:
- Ask the user to retry the payment → authentication may have been cancelled or failed
- Create a new PaymentMethod and confirm the payment again
- If using frontend SDK, ensure you handle 3DS / redirect flow properly
- If server-side:
- Reconfirm the PaymentIntent with fresh
payment_methodorpayment_method_data
- Reconfirm the PaymentIntent with fresh
- Check if the card requires strong customer authentication (SCA)
Common causes:
- User closed the auth window
- Bank declined during 3DS
- Expired/invalid payment method
If retries keep failing, ask the user to:
- Try a different card
- Contact their bank
If you want, share your integration flow and I can pinpoint exactly where it’s breaking.