#cryokinesisss-_api
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tacit hinge
hi! I suppose it depends, for instance the email and name are not generally sent to the bank, they're just for your own records/extra fraud signal. There are checks that are run :
https://docs.stripe.com/disputes/prevention/verification
and the results are surfaced in
https://docs.stripe.com/api/payment_methods/object#payment_method_object-card-checks after a payment is processed.
fiery cosmos
These bank checks are a huge problem, not sure why - but over 30% of purchases are rejected by banks, even though I send cvc/name/email and have even included a radar rule for 100% requesting 3ds, so trying to figure out where the gap might be
maybe you know something to look out for?
tacit hinge
hard for me to say, you'd probably want to open a support ticket at https://support.stripe.com/?contact=true to look into your decline rate and specific examples
fiery cosmos
already did, they answer like this:
CVC should be sent on initial transactions to increase success rates. AVS is not sent on 96%+ of transactions which can help improve authorization rates in the US.
If they are a recurring merchant, it is important to ensure that their recurring integration flag is correct.
Network token use is starting to increase, but adaptive acceptance is still not on
but i have no idea where i can check - recurring integration flag (
tacit hinge
that's not something you have to set in your integration, I think they copy and pasted some outdated internal docs at you(since the pronouns are "they" also)
but definitely sounds like you should be passing a postal code(you should use PaymentElement instead of separate CardNumber fields so it collects everything, or build your own postal code input and pass the value into billing_details:{address:{...}} )
fiery cosmos
Yeah already in process
Thank you for your answers!