Jonah | Stripe Developers | Page 1

warped siloBOT Jun 5, 2023, 10:22 PM

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glass sand Jun 5, 2023, 10:27 PM

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Can you give me an example payment that wasn't caught by that rule, but still has requires_action?

timber bolt Jun 5, 2023, 10:30 PM

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glass sand Jun 5, 2023, 10:34 PM

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Okay so looking at that payment, we attempted to charge for it without 3DS (because we determined it shouldn't be required). However when we attempted to charge, the bank came back and declined it - they've chosen to require authentication anyways

timber bolt Jun 5, 2023, 10:35 PM

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Right, so the answer to my original question "Is the bank somehow able to require it even when neither of these conditions hold?" is that yes, it can. Previously I had assumed that could only happen with cards that require it. But that assumption was unfounded, it looks like.

glass sand Jun 5, 2023, 10:36 PM

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Yeah, this section has a bit of a high level summary of what the flow is: https://stripe.com/docs/payments/3d-secure#controlling-when-to-present-the-3d-secure-flow

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We make a determination of whether 3ds is required and will attempt to charge - but the bank always has the option to still require authentication

#Jonah