nstripe0_api | Stripe Developers | Page 1

remote heathBOT Jan 31, 2025, 8:53 PM

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nstripe0_api, 3 days ago, 16 messages
nstripe0_api, 4 days ago, 6 messages

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lost kettle Jan 31, 2025, 8:54 PM

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I am testing using the "Always authenticate" Stripe test card 4000002760003184

spice meteor Jan 31, 2025, 8:55 PM

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Hi there. This seems expected to me. You've told Stripe in the API request that the customer isn't present, so authentication is not possible

lost kettle Jan 31, 2025, 8:56 PM

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Isn't there a flow by which these scenarios would have the merchant contact the customer to have them perform the authentication?

spice meteor Jan 31, 2025, 9:00 PM

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Yeah, I think you'd have that scenario if you remove off_session: true

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in which case the PaymentIntent would transition to requires_action and you'd have to bring the customer on-session and have them authenticate

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here's the general guide as a starting point on 3DS: https://docs.stripe.com/payments/3d-secure/authentication-flow

lost kettle Jan 31, 2025, 9:04 PM

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How are Stripe Subscription recurring transactions handling this? Are they implying off_session: false?

spice meteor Jan 31, 2025, 9:05 PM

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On the initial payment or the recurring payments?

lost kettle Jan 31, 2025, 9:05 PM

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Recurring

spice meteor Jan 31, 2025, 9:07 PM

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They would be flagging the payments as off session when we send the charge to the network, but there is realistically no card that behaves the same was the 3184 test card does

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In localities where SCA is in effect, off session and recurring payments are still allowed with the appropriate setup, though it is true that the issuer can request 3DS even on these off session or recurring charges.

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Additionally, Stripe Billing offers settings where we can email the customer if 3DS is required on a recurring payments when it is required

lost kettle Jan 31, 2025, 9:10 PM

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Thanks, is there a test card that will perform that request for 3DS even in those off session / recurring charges?

spice meteor Jan 31, 2025, 9:10 PM

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that's the card you're using. It requires 3DS on all transactions, no matter what

lost kettle Jan 31, 2025, 9:11 PM

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Right, however it does not seem to leave the Payment Intent in the Incomplete state (giving the option for contacting the customer to complete it by supplying additional authentication), it seems to result in the Failed state.

spice meteor Jan 31, 2025, 9:18 PM

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"failed" is not a status a PaymentIntent can have

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in req_QGQui9HjZOGyZX your PaymentIntent's status afterward is requires_payment_method

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So you can still bring your customer online and try to confirm the PaymentIntent while they are present to authenticate

lost kettle Jan 31, 2025, 9:19 PM

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Oh, interesting. Maybe it's a difference in how it shows on the Dashboard in this case, hmm.

spice meteor Jan 31, 2025, 9:20 PM

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Sometimes there are dashboard-only badges that are shown that don't map to what is happening in the API. I recommend always looking at the properties on the actual object

lost kettle Jan 31, 2025, 9:24 PM

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Can you help me understand why this request's payment intent is left in the requires_payment_method state rather than requires_action for the 3DS flow?

spice meteor Jan 31, 2025, 9:26 PM

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because in the scenario when you're trying to create/confirm a payment off-session and 3DS is required, we treat that as a decline. You can read the error_code to know that you could complete this payment by having your customer come on-session to authenticate

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when a decline happens, a PaymentIntent's status transitions to requires_payment_method

lost kettle Jan 31, 2025, 9:28 PM

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Could you take a look at a live mode payment intent here: pi_3QnKn0FOrEmR4dyh0Ssvzqdf

This is a recurring payment using a Stripe Subscription.

This is essentially the case I'm trying to reproduce so that we can figure out how to handle it.

In this Payment Intent, it does not result in a decline, why is that?

spice meteor Jan 31, 2025, 9:32 PM

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Gotcha. Why try to create it with a one-off paymentintent, though? Why not use an Invoice? The way to reproduce would be to run a SetupIntent on the 3184 card and set it as the Customer's invoice_settings.default_payment_method and then create the Invoice

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You can use test clocks: https://docs.stripe.com/billing/testing/test-clocks

lost kettle Jan 31, 2025, 9:34 PM

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The payment flow this takes is different, not using Stripe Subscriptions.

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Is this result different because one is using an Invoice and one is not?

spice meteor Jan 31, 2025, 9:35 PM

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You can use Test Clocks with one-off Invoices

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