zzking | Stripe Developers | Page 1

sturdy novaBOT Feb 16, 2023, 1:46 PM

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tall walrus Feb 16, 2023, 1:49 PM

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btw: in the second case I also received a charge.failed event with "failure_code" saying authentication_required

slow pollen Feb 16, 2023, 1:49 PM

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Hi
yes when you use a card that require 3DS, that mean in all case the user need to authenticate their payment throw 3DS

tall walrus Feb 16, 2023, 1:50 PM

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if they all mean "SCA is required", then I wonder what's the benefit of using "off_session: true" in paymentIntent ?

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would it make Stripe "optmise" the payment flow behind the scene ?

timber rampart Feb 16, 2023, 1:51 PM

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👋 stepping in

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If you set up a card for future use and then charge it off_session we apply for a 3DS exemption with the issuer

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You basically want to test with the 4000002500003155 card

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See: https://stripe.com/docs/testing#authentication-and-setup

Testing

Simulate payments to test your integration.

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This card requires authentication for off-session payments unless you set it up for future payments. After you set it up, off-session payments no longer require authentication.

tall walrus Feb 16, 2023, 1:54 PM

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How do you setup a card for "future usage" ? I'm building a setupIntent first according to here: https://stripe.com/docs/payments/save-and-reuse , does it count as "setup the card for future use" ? OR is there some other param that I should set for paymentIntent as well ?

Set up future payments

Learn how to save card details and charge your customers later.

timber rampart Feb 16, 2023, 1:56 PM

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Yep a SetupIntent works

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The other way is to pass setup_future_usage with a PaymentIntent

tall walrus Feb 16, 2023, 1:57 PM

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oh thanks, we want to save a card details first WITHOUT a payment, so I guess I have to create a setupIntent first, right ?

timber rampart Feb 16, 2023, 1:58 PM

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Yep that's the correct flow

tall walrus Feb 16, 2023, 2:01 PM

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thank you. And suppose if I setup everything like indicated above (create setupIntent first, then create paymentIntent with "off_session" set to true), then when I receive "charge.failed" or "payment_intent.failed" event with error "authentication_required", I can assume that means SCA is required by the bank , right ? ( I know SCA can still happen even if everything is setup correctly)

timber rampart Feb 16, 2023, 2:02 PM

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Yep exactly

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In that case you want to bring your customer back on-session to handle 3DS

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This should be pretty rare though

tall walrus Feb 16, 2023, 2:03 PM

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nice , thanks for the help .

#zzking