Reformedot - fraud protection | Stripe Developers | Page 1

ocean osprey Sep 9, 2022, 6:56 PM

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You want to prevent someone from disputing a subscription payment?

shy sequoia Sep 9, 2022, 6:57 PM

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Yes, I want the protection on my subscription

ocean osprey Sep 9, 2022, 6:57 PM

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You can't prevent someone from disputing a payment

shy sequoia Sep 9, 2022, 6:57 PM

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ocean osprey Sep 9, 2022, 6:57 PM

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Oh I see

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You want to force 3ds?

shy sequoia Sep 9, 2022, 6:57 PM

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It's possible to get that?

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I already have a setup intent that asks for 3ds

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not sure if its "forced"

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but that message is not available on the subscription that I create after my setup intent, using the same payment method

ocean osprey Sep 9, 2022, 6:59 PM

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Yeah that will only show on transactions where 3ds was used

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So if 3ds was used on the setupintent but not the sub payment, it won't show

shy sequoia Sep 9, 2022, 6:59 PM

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I charge the subscription off_session

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That's why I use the setup intent via frontend that already needs 3ds

ocean osprey Sep 9, 2022, 7:01 PM

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Yeah I understand

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You can't get that same protection notice though if 3ds isn't used on the transaction

shy sequoia Sep 9, 2022, 7:03 PM

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The problem is that I can't verify the subscription with 3ds, cause I charge via backend

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there's no workaround for that? Like using the setup intent 3ds as protection for the future payments?

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It makes no sense to show 3ds for setup intents if I can't use the 3ds protection for the future payments

ocean osprey Sep 9, 2022, 7:05 PM

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You want the user to have to come back on session and auth with 3ds for future payments?

shy sequoia Sep 9, 2022, 7:05 PM

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I already do that with the setup intent right?

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to avoid users to come back for each subscription charge

ocean osprey Sep 9, 2022, 7:07 PM

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It can help but it's still possible for the bank to require 3ds for future payments

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Let me ask a colleague about the dispute protection though

shy sequoia Sep 9, 2022, 7:07 PM

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Okay thanks

ocean osprey Sep 9, 2022, 7:07 PM

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I dont' think future payments are protected but want to confirm for sure

shy sequoia Sep 9, 2022, 7:23 PM

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ocean osprey I dont' think future payments are protected but want to confirm for sure

Okay let me know, thanks

ocean osprey Sep 9, 2022, 7:29 PM

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Ok so my coworker believes there isn't a liability shift in this case based on: https://stripe.com/docs/payments/3d-secure#disputed-payments

Card authentication and 3D Secure

Learn about authentication to reduce fraud and meet regulatory requirements.

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Payments made with saved cards when the customer is not present in the checkout flow (sometimes called “off-session”) may qualify as merchant-initiated transactions. These payments technically fall outside the scope of SCA. In practice, marking a payment as a “merchant-initiated transaction” will be similar to requesting an exemption. And like any other exemption, it is still up to the bank to decide whether authentication is needed for the transaction.```

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Overall I recommend reaching out to support about this: https://support.stripe.com

Stripe: Help & Support

Find help and support for Stripe. Our support center provides answers on all types of situations, including account information, charges and refunds, and subscriptions information. Get your questions answered and find international support for Stripe.

#Reformedot - fraud protection