bilalahmer | Stripe Developers | Page 1

drowsy surgeBOT Aug 8, 2023, 7:45 AM

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pastel gale Aug 8, 2023, 7:46 AM

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Whether the payment should perform 3DS is determined by card issuing bank, not on a customer

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It's possible that the same card requires 3DS this time, but not next time

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It's up to the card issuing bank to decide

fallen lynx Aug 8, 2023, 7:48 AM

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Ok, I missed few off session payments last week due to 3DS so wanted to make sure if there is anything from our side we can do .

pastel gale Aug 8, 2023, 7:58 AM

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I see! You may search the Payment Intents that is still requires_action status to determine whether there is pending action to be completed.

drowsy surgeBOT Aug 8, 2023, 8:01 AM

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fallen lynx Aug 8, 2023, 8:17 AM

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Yes.

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But is there a way to find if they also need to 3DS in future ?

edgy spruce Aug 8, 2023, 8:21 AM

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There is not no. 3DS can be requested on any payment, no way to know for sure

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We have APIs that can optimise payments to reduce 3DS/auth requests, but no way to prevent them

fallen lynx Aug 8, 2023, 8:23 AM

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Okay great, So how can we optimise payments to reduce 3DS/auth requests ?

edgy spruce Aug 8, 2023, 8:24 AM

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It depends, what kind of payments are you processing?

fallen lynx Aug 8, 2023, 8:24 AM

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off-session .

edgy spruce Aug 8, 2023, 8:26 AM

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Is there an initial on-session payment? Or are you just collecting payment details to setup the future payments?

fallen lynx Aug 8, 2023, 8:27 AM

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There can be on-session payment also but mostly off-session.

edgy spruce Aug 8, 2023, 8:27 AM

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https://stripe.com/docs/payments/save-and-reuse?platform=web&ui=elements

Set up future payments

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

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That's a guide to collect payment information from customers to save and optimise for future off-session payments

fallen lynx Aug 8, 2023, 8:28 AM

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Ok, will have a look thank you 😉

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Oh, I already followed that approach .

edgy spruce Aug 8, 2023, 8:33 AM

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Then your flow is already optimed to reduce 3DS for off-session payments

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You just need to handle requires_action scenarios to bring users back on-session to complete authentication

fallen lynx Aug 8, 2023, 8:35 AM

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Got it, one more question like if we send them an email to authenticate themselves but how would they do that ? Do we need to send them anything specific ?

edgy spruce Aug 8, 2023, 8:37 AM

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You can confiure our emails to be sent when a payment requires 3DS

fallen lynx Aug 8, 2023, 8:40 AM

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So it will send emails automatically to only those users who reqiure _action or any users who's payment got failed for any other reason ?

edgy spruce Aug 8, 2023, 8:41 AM

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Just for payments that require auth/3DS. But you can configure other emails for other failed payments (like if the card has expired): https://dashboard.stripe.com/settings/billing/automatic

Stripe Login | Sign in to the Stripe Dashboard

Sign in to the Stripe Dashboard to manage business payments and operations in your account. Manage payments and refunds, respond to disputes and more.

fallen lynx Aug 8, 2023, 8:41 AM

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Do we have to pay any extra for this email service ?

#bilalahmer