pattttta_error | Stripe Developers | Page 1

small plankBOT Sep 26, 2024, 2:36 AM

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elfin fox Sep 26, 2024, 2:37 AM

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Here is the complete code for the error

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📎 message.txt

round dew Sep 26, 2024, 2:39 AM

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This is expected. Extra action such as 3DS authentication should be performed by the customer to complete this payment. If the customer doesn't authenticate the payment with their bank, payment will be incomplete

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Your customer has to perform the 3DS authentication with the card issuing bank to complete the payment

elfin fox Sep 26, 2024, 2:42 AM

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I still don't really understand because many customer attempt to pay for mutiple times and sometimes with different cards

round dew Sep 26, 2024, 2:42 AM

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Did your customers authenticate the payments with the card issuing bank?

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The issuing banks request the payments to be authenticated before proceeding with the charges

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If the customer didn't authenticate, the payment will be incomplete

elfin fox Sep 26, 2024, 2:43 AM

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I don't quite understand whether this 3DS is required by the issuing bank or is it a request from Stripe.

elfin fox Sep 26, 2024, 2:45 AM

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round dew The issuing banks request the payments to be authenticated before proceeding wit...

Is the authentication process similar to operations such as verification code and payment password?

round dew Sep 26, 2024, 2:48 AM

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Every bank has different 3DS authentication methods. There are many ways such as one-time password to the mobile number, asking the customer to authenticate in the bank app... etc

elfin fox Sep 26, 2024, 2:48 AM

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I see

round dew Sep 26, 2024, 2:48 AM

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I'd recommend checking how 3DS works here: https://stripe.com/resources/more/3d-secure-101

How 3D Secure authentication works | Stripe

What businesses need to know about 3D Secure authentication, including how it works and how to implement it into your payment system.

elfin fox Sep 26, 2024, 2:49 AM

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I thought it was a error because in Stripe it tells me that it require my action to continue

round dew Sep 26, 2024, 2:49 AM

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This is not an error. requires_action status means that additional action such as 3DS is required from the customer

elfin fox Sep 26, 2024, 2:53 AM

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and still confused because there were so many incomplete payment. and many of the payments were by the same customer using different cards under their name.

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I mean if they are using their own card it should be very easy to complete the 3DS process, right ?

round dew Sep 26, 2024, 2:55 AM

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If the customer owns the card, then yes - it should be easy to complete 3DS

elfin fox Sep 26, 2024, 2:58 AM

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Ok. Thanks for the clarification !

#pattttta_error