#deepumi_api
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rough spindle
That payment requires 3ds authentication: https://docs.stripe.com/payments/3d-secure. You can see its status is requires_action. You can read more about payment intent statuses here: https://docs.stripe.com/payments/paymentintents/lifecycle
finite urchin
Could you please explain why I was getting this?
Because I don’t see this in other transactions.
rough spindle
I shared a doc above that talks about it more. You can also google 3ds
It's mandated by banks
Sometimes a bank requires it sometimes they don't
But it's up to the bank
Stripe doesn't control when this happens
finite urchin
Okay, so for credit cards this requires or debit card?
rough spindle
Both sometimes
finite urchin
So for the above request I’d, did it pull the money from the card?
rough spindle
no
When 3ds is required the customer needs to auth the transaction with their bank
finite urchin
Okay. But in this situation, Does stripe offers any API to authenticate with the customer bank.
rough spindle
You need to bring the customer back online in your app to authenticate
I shared the doc with you already above
finite urchin
Okay. Our business is only focused on US based customer and I see the card country also US. According to the doc
“The Strong Customer Authentication regulation, as part of PSD2 in Europe and similar regulations in the UK, India and Australia, might require using 3DS for card payments. 3DS is optional in other regions but you can still use it as a tool to reduce fraud.”
So is this mandatory in the US customers also.
rough spindle
banks in the US require it sometimes too
finite urchin
Okay. I will go through the above doc you shared.
Since I am using custom flow without using any Stripe SDKs or libraries, which sub section would be more appropriate to read?
Is there a visual document flow which explains this scenario?
rough spindle
rough spindle
Is there a visual document flow which explains this scenario?
the one i shared already kind of does this: https://docs.stripe.com/payments/paymentintents/lifecycle
finite urchin
Also, we can’t skip or ignore the 3ds validation right?
rough spindle
Also, we can’t skip or ignore the 3ds validation right?
correct. when it comes, it's mandated by the bank
they won't process the charge until customer has authenticated
finite urchin
And we can test this flow on test mode in Stripe side right
This is the test card to use I suppose on Stripe side 4000000000003220
rough spindle
yeah
finite urchin
Also, Do we need to enable any settings on Radar side?
finite urchin
Okay. I will do more research and get back to you. Thank you
Could you share the link for this chat history
finite urchin
Actually, I am chatting from the phone app, not using the browser