#alex_best-practices
white sorrelBOT
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snow field
Hi there
gilded sparrow
hello
snow field
If you share an example then I'm happy to take a look, but 99% chance this is just the issuing bank returning a decline which we have no control over. Oftentimes issuers do use "weird" decline codes that don't exactly match why they declined the Charge but really the only way to know that is if the cardholder reaches out to the issuer.
gilded sparrow
here is an example payment intent: pi_3RzhH8Bb49XQ2DGy0udlXLu4
snow field
Yep so what I stated above is true here. Issuer responded with decline code 14 which maps to incorrect_number. Only the issuer can really say why they declined it and no parameters that we send to them would change things here.
gilded sparrow
Understood
and just to confirm, if the transaction needed 3DS verification, the response would have some indication thereof?
snow field
Yeah it would have indicated Additional customer authentication required which is the 1A decline code: https://stripe.com/resources/more/a-complete-list-of-decline-codes#list-of-card-decline-codes
That would have been an authentication_required decline code in the request's response.
gilded sparrow
ok understood, thank you that helps. Our customers are off-session, so prompting them to talk to the issuer is sort of complicated/not a desirable UX. We are trying to recreate with one of our own payment methods/cards so we can take that to the bank/visa/mastercard and have them review the error and give us more information. Is that essentially the recommendation here?
snow field
Kind of... but recreating with your own card won't necessarily mean that issuer declines for the same reason. Overall, the recommendation is mostly just that declines and issuers being a bit strange is just an expected part of payment processing. If you get a decline on an off_session Charge then you mostly just want to reach out to your customer and ask them to try again on session or try again with a different PaymentMethod.
gilded sparrow
right. ok, thanks, will work with that. take care.
snow field
You too!
white sorrelBOT