#electricduckpond_api
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How are you integrating Google Pay? Generally, wallet payments do not require 3DS as we request exemptions as the card is considered 'authenticated' when it's added to the wallet. However the Stripe.js integrations wil handle all this
We specifically are looking to handle the integration with an API only approach (not using Stripe.js). We need to be able to handle all possible senarios, so even if they generally are not required, is it possible it may be required?
Sure, and it'd be reflected in the next_action hash on the intent after a confirmation attempted. If you're not using Stripe.js then you'd redirect your users to that URL to handle auth
Great! Using the test cards, this next_action URL is a Stripe mock 3ds response. In live when this redirects to a customers bank's 3DS url, how will the payment intent be confirmed? Will the bank talk directly to stripe to confirm the 3ds verification?
In Live, will the 3DS "next_action" - "url" always begin with: "url": "https://hooks.stripe.com/3d_secure_2/hosted?"
You should'nt depends on the URL format if that's what you're asking. It can change and has changed
But is 3ds always routed via stripe? or would the url be specific to each bank? e.g "https://hsbc.com/3ds"
I believe it'll always be a hook.stripe.com URL, let me check
We believe it'll always be a hooks.stripe.com URL yes, which will handle the redirect to the issuer/bank 3DS URL automatically