partizan_card-authentication | Stripe Developers | Page 1

pearl notchBOT Jul 2, 2025, 8:52 AM

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uneven kiln Jul 2, 2025, 8:55 AM

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That's what you'd use a Setup Intent for to verify the card details with the bank/card network. We don't recommend charging and refunding

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See: https://docs.stripe.com/payments/save-and-reuse

Save a customer's payment method without making a payment

Learn how to save a customer's payment method using a SetupIntent.

stiff smelt Jul 2, 2025, 8:56 AM

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So we can not really check that customer who input card details is owner of this card?

uneven kiln Jul 2, 2025, 8:56 AM

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What does 'owner' of card mean?

stiff smelt Jul 2, 2025, 8:57 AM

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it means that customer can really confirm payment for example.

uneven kiln Jul 2, 2025, 8:57 AM

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You mean complete 3DS/authentication when requested?

stiff smelt Jul 2, 2025, 8:57 AM

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we have a lot of customer who used stolen US cards

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yes. 3DS challenge

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We would like to avoid adding such cards to our system.

uneven kiln Jul 2, 2025, 8:59 AM

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Yeah that's not really possible unfortunately. No way to know if the card belongs to the person using the card, not sure how a $1 charge would help there either

pearl notchBOT Jul 2, 2025, 8:59 AM

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uneven kiln Jul 2, 2025, 8:59 AM

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All we can do is verify that the card details provided by whoever is in the checkout flow are valid. That may/may not prompt a 3DS/auth check and at which point they would be required to complete

stiff smelt Jul 2, 2025, 9:00 AM

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There is a higher probability that the card belongs to the person if they have passed the challenge.

uneven kiln Jul 2, 2025, 9:00 AM

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You can manually request 3DS for all payments, which may help: https://docs.stripe.com/payments/3d-secure/authentication-flow#manual-three-ds

Authenticate with 3D Secure

Integrate 3D Secure (3DS) into your checkout flow.

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(where supported, of course)

stiff smelt Jul 2, 2025, 9:00 AM

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It can appears if we try charge $1 and refund it after

uneven kiln Jul 2, 2025, 9:01 AM

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The Setup Intent flow also handles 3DS/auth

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That would be our recommendation

stiff smelt Jul 2, 2025, 9:01 AM

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ok. got you. thanks

#partizan_card-authentication