Sal | Stripe Developers | Page 1

tardy totemBOT Nov 24, 2022, 12:49 AM

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red tide Nov 24, 2022, 12:52 AM

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Hi, what do you mean by this?

3DS is typically bank issuer dependent so the user does not have a direct control.

fervent berry Nov 24, 2022, 12:56 AM

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Hello,

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Right that's correct, but what I'm trying to understand is does the user have to opt-in for 3d secure with there bank

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or does it just take the user to the 3d secure process, assuming 3d secure is on for stripe

red tide Nov 24, 2022, 12:58 AM

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If the issuer offers 3DS and when it's required, Stripe handles 3DS portion with Stripe Element, Checkout etc.

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What does your integration look like?

fervent berry Nov 24, 2022, 1:00 AM

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Okay I see, so if the issuer offers 3d secure when required (the bank), then it would activate if it's set to 3d secure, does that sound right

red tide Nov 24, 2022, 1:02 AM

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Mostly yes, but I would need way more details on what integration you're using to fully confirm.

fervent berry Nov 24, 2022, 1:03 AM

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Okay no problem I'll explain

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our company is a software company, we do virtual check-ins and preauthorized holds for hotels. We are looking to do 3d secure on the preauthorized card to avoid fraud

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We would use stripe checkout

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for the preauth

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everything would be done through stripe basically with the preauth and transaction and 3d secure process

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I'm just confirming if we enabled 3d secure on our side, if that would require all cards to go through that process

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assuming there issuer offers it

snow kiln Nov 24, 2022, 1:05 AM

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👋 taking over here

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When you say "we enabled 3d secure on our side", does it mean you as a merchant or the payer as a customer?

fervent berry Nov 24, 2022, 1:07 AM

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Merchant

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for example, we would manually request 3d secure

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with the payment intent api

snow kiln Nov 24, 2022, 1:09 AM

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So yes, as per the Doc

Stripe requires your customer to perform authentication to complete the payment successfully if 3DS authentication is available for a card. If it’s not available for the given card, the payment proceeds normally.

fervent berry Nov 24, 2022, 1:10 AM

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okay got it, so my question is who determines if 3ds authentication if available for the card

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the issuer?

snow kiln Nov 24, 2022, 1:12 AM

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Yep!

fervent berry Nov 24, 2022, 1:13 AM

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great thank's youre awesom

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one last question

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is there a list of issuers

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that does 3d secure

snow kiln Nov 24, 2022, 1:17 AM

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I am afraid not. There could be thousands of banks if not more all over the world

#Sal