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green thunder
hello! The PaymentIntent status requires_action indicates that the payment requires additional actions, such as authenticating with 3D Secure to complete the payment
Is the customer currently on-session i.e. on your site or application, or are they off-session i.e. not on your site or application?
runic plank
off-session
green thunder
If the customer is not on-session, then you should set off_session: true when creating the PaymentIntent to indicate so.
I want to be clear though that there's no guarantee that off_session: true will ensure that the payment never requests for 3DS. Whether the payment requires 3DS is ultimately determined by the issuer. You can reduce the chances of 3DS being requested for by ensuring that the PaymentMethod is successfully / correctly set up for future off-session usage ( use either PaymentIntent with setup_future_usage : "off_session", or use SetupIntents ). What will happen if you pass in off_session: true, and the issuer still wants 3DS, is that you'll receive the error authentication_required. If the PaymentMethod was previously successfully set up for future usage, it's rare to have the issuer still request for 3DS when you pass in off_session: true
If the customer is on-session, you should handle 3DS if it's requested for i.e. display the 3DS modal for the customer to authenticate. You should not indicate that the customer is off-session if they're not actually off-session
runic plank
can u please provide the sample code to pass the off-session? c# code
green thunder
You can find example code here in this section : https://docs.stripe.com/payments/save-and-reuse#charge-saved-payment-method, look at the second code snippet in this section where it's creating a PaymentIntent
runic plank
understood, but now getting an error as you mentioned. "code": "authentication_required",
"decline_code": "authentication_required",
"doc_url": "https://stripe.com/docs/error-codes/authentication-required",
"message": "Your card was declined. This transaction requires authentication.",
green thunder
then that means the issuer is requesting for authentication and you'll need to request for the Customer to come back on-session to make payment (with the same or new card), and go through 3DS if necessary
runic plank
ours is B2B application, we do not have an options of on-session. is there something customer can request to autorize payments?
green thunder
sorry, but i didn't understand by what you meant by is there something customer can request to autorize payments?
runic plank
how to authorize this if it fails. from our application we need to handle or customer can check with bank for 3DS
green thunder
You need to notify your Customer to come back to your site to attempt payment. When the Customer comes back to your site, you'll want to update the PaymentIntent to remove off-session=true, then pass the PaymentIntent's client_secret back to your frontend, and get the Customer to confirm payment on the frontend by calling https://docs.stripe.com/js/payment_intents/confirm_payment - if 3DS is required, this method will automatically handle it by presenting the 3DS modal for the customer to authenticate
runic plank
ours is B2B, application, and it is off-session only, is there something it will send an email and they will confirm through email or microdeposit kind of option for credit card
green thunder
Unfortunately, we don't have a built-in option for sending emails for PaymentIntents. You'll need to implement that functionality yourself. The email would need to direct customers back to your site (maybe with a clickable button) and you'll also need to include the logic I mentioned earlier to allow the customer to authenticate their payments.
To give you some context, the 3DS page is hosted by the bank, so you'll need to make a request to call a method to present the 3DS modal for the payment from your site or application.
runic plank
why do they get 3DS - for some customers and not for others
green thunder
That's really up to the bank, and we don't have visibility into that process.
austere vessel
Hi