#jensen

1 messages · Page 1 of 1 (latest)

wild daggerBOT
cold remnant
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Good question, looking in to this and will get back to you with what I can find

warped topaz
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Thank you, I seem to get a request to input a 6 digit code everytime I make a transaction on one of my issued cards. However, I want mass use these cards sometimes (say 1000 transactions within a short window)

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So with the 3D secure it’s not possible to do so

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I know of people who use there cards for similar purposes and do not have to input the 3D secure codes who are also from the UK

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I’m ultimately looking for a way to have the 3DS turned off/removed or alternatively a way to have the codes mass inputted via the API

cold remnant
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Hey I am still looking in to this. Haven't been able to find much myself but am reaching out to colleagues and will get back to you with what I can find

warped topaz
cold remnant
wild daggerBOT
warped topaz
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So even if I am in the EU this will work ?

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I’m actually in UK but I’m fairly sure it falls under the same law

past meteor
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👋 stepping in here

warped topaz
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👋 appreciated

past meteor
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It will work in that 3DS won't be enrolled for the card but that card will start seeing a high rate of declines if it falls in-scope for SCA

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So I would not recommend doing this if you are EU/UK based

warped topaz
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Is there perhaps an alternative where the mobile codes could be mass approved via the API ?

past meteor
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SCA is mostly based on where the cardholder and the merchant are located

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So if you are paying EU merchants and are an EU card holder then you are in-scope for SCA

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And no, you can't approve this via the API. The whole point is a security measure where this has to be handled

warped topaz
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It’s odd because I have friends who have cards that do not require 3DS on the stripe platform

past meteor
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If it is in-scope for SCA then yes we are required to force 3DS

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So yes it would be declined for "authentication required" if 3DS isn't completed.

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Are your friends paying merchants outside of the EU perhaps?

warped topaz
past meteor
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Hmm yeah I'm not sure. Can't really say without seeing the specific examples

warped topaz
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They are just making transactions on sites like Nike GB, around a few thousand transactions in 15 minute period for example. It wouldn’t be possible to do that many transactions if 3DS was present

past meteor
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Hmm that sounds like the card is getting stored by Nike and then they are charging it off-session

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Off-session charges get exempted from 3DS as long as the card is saved properly the first time

warped topaz
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Are you sure? Like as in the card being saved on the account ?

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Each transaction is purchasing a pair of shoes

past meteor
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All depends

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Like I said, hard to say without seeing specific examples

warped topaz
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How specific would you need to see ? I can try to provide them

past meteor
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I would need to see issuing authorization IDs

warped topaz
past meteor
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Yes if you want me to look at the specifics from our side in terms of those transactions

warped topaz
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I also thought If I created cards outside of the UK/EU via Stripe would I be able to make transactions to a site such as Nike GB

warped topaz
past meteor
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Yes you can still pay international merchants unless they prohibit it on their end.

warped topaz
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How would I go about making such cards outside of EU via stripe ? Would I have to make a new account with Stripe for a country outside of it ?

past meteor
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Afaik yes. This is getting a bit outside of the API at this point though and you may be better off corresponding with our Support team on this as I don't know all the intricacies with Issuing beyond how the API integration works.

warped topaz
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Thank you. As for API based would there be any solution to 3DS?

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That you can think of

past meteor
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No not really. This is a regulatory thing. It isn't meant to be "worked around"

warped topaz
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I wouldn’t say so much workaround, I mean more of a way that you can automatically enter the codes sent to the phone number attached to the card

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I do appreciate your help on this

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Apologies for the questions

past meteor
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No need to apologize! We are here to help

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But yeah, mostly you can't programmatically handle 3DS

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The point is to ensure the person paying actually is the card holder

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So it takes some amount of manual intervention

warped topaz
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And theoretically speaking if I did want to automate such process is it possible ?

past meteor
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Don't believe so. 3DS is generally phone OTP

warped topaz
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I thought as much, I think my best solution may be to create a non EU account would you say ?

past meteor
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Imo the best solution is to just complete 3DS when it is requested 🙂

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But if you really want to get around that then yes I think a non-EU account is the way to go. Would recommend talking to our Support team about that to ensure that will get around the 3DS request (I'm pretty sure it should but like I said not an expert on Issuing beyond the API)

warped topaz
past meteor
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Hmm okay yeah I think I'm missing context here on how/why you are doing a few thousand transactions on one card with Issuing and getting prompted for 3DS each time. But yes, at this point it isn't really an API question and I do think you'll be better off working with our Support team for the best path forward

warped topaz
trim pollen
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By the sound of it, the application is trying to rig an auction system by programatically using 1000+ issued cards to get around one-card-per-customer limitations.

past meteor
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lol yeah I was going to say that isn't really something that makes a lot of sense

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Like that could easily be a fraud attempt and is exactly why things like 3DS exists

trim pollen
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Well, not exactly fraud necessarily - but certainly bypassing intent

warped topaz
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Not fraud at all, it’s essentially shoe draws on Nike

trim pollen
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I rather suspect whoever is running the auction would not approve the scheme

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But, hey, there's a nice record here should any question come up.

warped topaz
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On Nike they release shoes for say a 15 minute period, you can only purchase 1 pair per account/card

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So in order to purchase more than 1 pair

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You would need more accounts/cards

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However at a scale you cannot approve that many transactions

trim pollen
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When trying to get out of a hole, it is generally best to stop digging.

warped topaz
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Sorry but I am not digging a hole

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I’m abit offended that you genuinely think this is fraudulent

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But yes as you say there is a record here

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Which I will be referring to when contacting Stripe support

past meteor
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To clarify: I don't genuinely think this is fraudulent

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Sorry for insinuating that

warped topaz
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I’m not referring to you, don’t worry

past meteor
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I'm saying that a scheme like this could have a fraudulent nature and is why you are having a hard time getting around it

warped topaz
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I do understand and can appreciate where you coming from though as it’s quite an unusual request

past meteor
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This does seem challenging due to the time frame

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So yeah, quite unique circumstances

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I do hope there is a way to handle it, but I admit I'm not sure of a current workaround. I hope our Issuing Support team may be able to provide you some further guidance.

wild daggerBOT