#Shmarti
golden rampart
sour rune
I believe that still holds true. There are regulations in many other countries that require 3DS authentication for transactions, but those don't exist in the US and Canada. I can't speak to individual banks though. There may be some banks that still require 3ds in the US (I just don't really know)
But yeah in general, you won't see 3ds required for cards in the us and canada
tepid plinth
ok - am I able to restrict my users to US or Canadian cards in anyway>
?
I just have no way to handle the 3DS authentication stuff as of now, i haven;t bothered to look into it
sour rune
I think you can do that through radar rules
What's your integration flow look like? Some of our integrations automatically handle 3ds
brave kettle
cc @tepid plinth
tepid plinth
Thanks @brave kettle
@sour rune I'm using stripe connect with custom-connected accounts. Similar to on-demand platforms. My users add thier payment card which i use to create customer accounts for them.
const customer = await stripe.customers.create({ name: data.name, phone: data.phone, payment_method: data.paymentMethod })
When its time to charge, I create a payment intent with manual capture for a fixed amount
const paymentIntent = await stripe.paymentIntents.create({ amount: data.amount, currency: data.currency,customer: data.customerId, capture_method: "manual", payment_method: data.paymentMethodId, application_fee_amount: data.applicationFee, transfer_data: { destination: data.destinationAccountId } })
Then presumably before I capture, I first have to confirm payment intent
awaitstripe.paymentIntents.confirm(data.paymentIntentId)
then finally capture it.
await stripe.paymentIntents.capture(data.paymentIntentId)
Apologies for ugly code formatting
brave kettle
Hi there, I am taking over
GImme sometime to catch up
Okie that looks good. Which question do you have from here?
The 3DS will happen on the confirm step
If you do that step client-side, using Stripe JS, it will handle the 3DS flow automatically for you
If you do that step server-side, it will return a PaymentIntent with status = require_actions and give you the next_action indicate what to do next
tepid plinth
What does it even look like, i dont know visually what happens here? eg: On iOS, it would pull up a web view for the user to authenticate before returning to the client code?
ok i saw a link explaining it. But i want to avoid it all together since I hear US & Canadian banks dont really require it.