johnwick_error

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[heady prairie]

Is it possible for me to reproduce this error? Currently I get this error for some cards on prod but can't reproduce this in test mode:

  "last_payment_error": {
    "code": "payment_intent_authentication_failure",
    "doc_url": "https://stripe.com/docs/error-codes/payment-intent-authentication-failure",
    "message": "The provided PaymentMethod has failed authentication. You can provide payment_method_data or a new PaymentMethod to attempt to fulfill this PaymentIntent again."```

[autumn nacelle]

👋 happy to help

you can use any 3DS test card and once the 3DS test modal opens you select fail payment

https://docs.stripe.com/testing#regulatory-cards

[heady prairie]

Basically I can give more context here. Earlier the payment method was setup with OffSession=true Now going forward all actual payments are configured to have offSession=false Can this make an issue?

Do the users need to setup their intent freshly?

[autumn nacelle]

yes, this might result in cases where 3DS is required and you have to get your customers back on session to authenticate the payment

[heady prairie]

Actually the user is in the session its just the parameter that is being set as true before

but now it is being set as false

[autumn nacelle]

setting off_session=true is what we call an MIT (merchant initiated transaction) this is normally used to suggest to the card network/issuing bank that this transaction should be exempt from SCA/3DS

[heady prairie]

Can it also happen where the 3DS is successfully authenticated but still the bank rejected the payment because of this mismatch issue?

[autumn nacelle]

no this only happens when the provided payment method has failed authentication. you should then provide a new payment method to attempt to fulfill this PaymentIntent again.

in that case it's another error

this is a decline error

and the error is shaped differently in the API

[heady prairie]

Oh okay..because I see a pattern where for all chargeStatus=requires_action the payments have failed in my system with various errors. Either Stripe radar has blocked them or the bank declined. All other statuses have passed the payment successfully

and the setting of off_session=false is the only change that has been made

I understand that Stripe radar blocking, bank declining and 3DS auth failure are actual scenarios but this is happening to only requires_action status.

There are actual 3DS flows where I pass challenge in the request_three_d_secure option and they are successful.

[autumn nacelle]

yes off_session=false means that PaymentIntents will eventually get to a requires_action status because 3DS is required

[heady prairie]

What I actually mean is:

1. off_session=false & requires_action means 3DS.
2. off_session=false & challenge means 3DS

My issue is the 1st payment is failing and the second one is passing for all payments

[autumn nacelle]

there is no PaymentIntent status called challenge

would you mind sharing two PaymentIntent IDs (one of each) to have a look please?

[heady prairie]

This is one - pi_3S8dWsBd8PxzBU0N0xPyGD3I this has payment_method_options.request_three_d_secure=challenge It has succeeded.

[autumn nacelle]

and the one that failed?

[heady prairie]

1 sec fetching

[heady prairie]

Yeah so basically I have 2 cases for the failures:

1. pi_3S76S7Bd8PxzBU0N1cidHc8k user did a payment just 4 days ago using the same card. For this the off_session=true this payment was successful.
2. pi_3S8JyVBd8PxzBU0N1Yaaz5dt this was done yesterday with the same card. For this off_session=false this payment failed even after 3DS suceeded

[icy forum]

Hey! Taking over for my colleague. Let me catch up.

[heady prairie]

Sure no issues

[icy forum]

The bank issuer declined the Payment Here. The customer needs to reach out to their bank and see why that payment didn't pass

[heady prairie]

Actually this is the error that I get

[icy forum]

Yes the bank network declined it (network decline code 62)

[heady prairie]

The same card was used to do the same purchase but it passed 4 days ago but failed now. According to the message if its a "purchase" issue it should not have passed earlier as well right?

[icy forum]

No that's not always true. It depends on what happened on the bank issuer side

[heady prairie]

Umm okay

[icy forum]

You simlply need to ask your customer to reach out to their bank and see why the transaction was declined by their bank

[heady prairie]

Sure no issues.

also another question. How come Stripe is allowing payments from expired cards?

Card expired in 2023 but a user made a payment yesterday

[icy forum]

Not sure about that one honestly. I know that bank networks auto updates cards details sometimes (auto-renewal):
https://support.stripe.com/questions/how-can-i-see-cards-updated-automatically-via-card-updater

Sorry, this channel is for technical integration questions only. If you want to understand more about that transaction I invite you to reach out to Stripe Support: http://support.stripe.com/contact

[heady prairie]

Sure no issues. Just wanted to know about how expired payment methods are being used

thanks for the help