idemoov-lo_api

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[vocal barn]

some bank won't allow 3DS even after being saved with 3DS
What do you mean by this?

Are you referring to the action required for payment here? https://dashboard.stripe.com/logs/req_OABiSSyRSjiWLG

If so, that seems expected

Is that meant to be an off-session payment? If so, you did not specific off_session=true

Note the bank can still decline those with authentication_required though

[zealous shard]

I mean the card is saved but still asking for 3DS

[vocal barn]

Yep, that can happen

[zealous shard]

What does off_session change ? I never used it and it works

[vocal barn]

It indicates you're initiating a payment without the customer present/on-session

ie, the customer is not available to perform 3ds actions

[zealous shard]

So it may resolve the issue?

I will try

[vocal barn]

You can read about 3DS/SCA and MIT transactions here: https://stripe.com/guides/strong-customer-authentication#merchant-initiated-transactions-including-variable-subscriptions

[zealous shard]

So if subscriptions work with saved card but not with paiement intent it's probably the off_session properties. And 3DS2 is what MasterCard and some banque use but other that work probably use 3DS1 if that's what I understand?

[vocal barn]

Yes, subscription payments use off_session behaviour for the recurring payment, because it happens automatically without the customer present/available.

I can't speak to what specific banks are doing or support, but SCA for EU is meant to be using 3DS2 as far as i know.

[zealous shard]

Is there a test card that I can try to use because with this one it was already working

I will may try in live mode directly so nvm

Because it didn't broke the paiement I was using it will probably patch the issue

[zealous shard]

Thanks for your time I will try that off_session things and it will probably work

[vocal barn]

A test card for what?

https://docs.stripe.com/testing#regulatory-cards
the 3155 card is best to use to test this setup & off-session kind of flow

[zealous shard]

For this strange 3DS things where it re-ask when I was doing a payment but because Subscriptions was working I really things that it was this little property that made the things

[vocal barn]

Authenticate unless set up 4000002500003155 This card requires authentication for off-session payments unless you set it up for future payments. After you set it up, off-session payments no longer require authentication

[zealous shard]

Oh yes thanks I will try this card

[vocal barn]

If you want to test off-session auth declines, you can use the "always auth" card:

Always authenticate 4000002760003184 This card requires authentication on all transactions, regardless of how the card is set up.

Even if you set it up and do off session, it will still require authentication, off-session payments will be declined

[zealous shard]

Thanks with this I will test to make another way of payment thank you very much

I think you can close the issue test card seems fine to test