niraj-p_unexpected | Stripe Developers | Page 1

gritty locustBOT Oct 6, 2025, 6:10 AM

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hollow spear Oct 6, 2025, 6:13 AM

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Stripe using made payment and getting payment method details

{
  "card": {
    "brand": "mastercard",
    "last4": "4200",
    "checks": {
      "cvc_check": "pass",
      "address_line1_check": null,
      "address_postal_code_check": null
    },
    "wallet": null,
    "country": "NZ",
    "funding": "credit",
    "mandate": null,
    "network": "mastercard",
    "fingerprint": "xyz",
    "overcapture": {
      "status": "unavailable",
      "maximum_amount_capturable": 85200
    },
    "installments": null,
    "multicapture": {
      "status": "unavailable"
    },
    "network_token": {
      "used": false
    },
    "three_d_secure": null,
    "regulated_status": "unregulated",
    "amount_authorized": 85200,
    "authorization_code": "R75542",
    "extended_authorization": {
      "status": "disabled"
    },
    "network_transaction_id": "xyz",
    "incremental_authorization": {
      "status": "unavailable"
    }
  },
  "type": "card"
}

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Our checkout using made payment and getting payment method details

{
  "card": {
    "brand": "mastercard",
    "last4": "4200",
    "checks": {
      "cvc_check": "fail",
      "address_line1_check": null,
      "address_postal_code_check": null
    },
    "wallet": null,
    "country": "NZ",
    "funding": "credit",
    "mandate": null,
    "network": "mastercard",
    "fingerprint": "xyz",
    "overcapture": {
      "status": "unavailable",
      "maximum_amount_capturable": 85200
    },
    "installments": null,
    "multicapture": {
      "status": "unavailable"
    },
    "network_token": {
      "used": false
    },
    "three_d_secure": {
      "result": "authenticated",
      "version": "2.2.0",
      "result_reason": null,
      "transaction_id": "00fbe267",
      "authentication_flow": "challenge",
      "exemption_indicator": null,
      "electronic_commerce_indicator": "02"
    },
    "regulated_status": "unregulated",
    "amount_authorized": null,
    "authorization_code": null,
    "extended_authorization": {
      "status": "disabled"
    },
    "network_transaction_id": "xyz",
    "incremental_authorization": {
      "status": "unavailable"
    }
  },
  "type": "card"
}

wheat moat Oct 6, 2025, 6:13 AM

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Hi there, can you share with me the ID of the checkout session?

hollow spear Oct 6, 2025, 6:16 AM

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cs_live_a1PzF65supK9uks3UuSV5EfGGf57czvXssqdGiGPDcUCN97O10886ZUivc

wheat moat Oct 6, 2025, 6:18 AM

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https://dashboard.stripe.com/events/evt_3SDuEAJQwuLuUgj428Npn7s3 I can see that the payment intent transitioned to requires_action status, it means the issuer requested the customer to complete the 3DS authenticaiton in order to proceed with payment

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https://docs.stripe.com/testing#regulatory-cards you can use one of these cards to simulate 3DS in test mode

hollow spear Oct 6, 2025, 6:23 AM

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But when this customer do same payment via stripe then it is working fine.

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You can see getting this error - "cvc_check": "fail"

wheat moat Oct 6, 2025, 6:30 AM

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The issuer decides whether a specific transaction requires 3DS, so it’s possible for 3DS not to be requested for other payments, even when the same card is used.

hollow spear Oct 6, 2025, 6:41 AM

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Okay got it.
But why getting succeded payment from stripe and failed payment from our checkout.
Can we missing any things in our integration?

wheat moat Oct 6, 2025, 6:43 AM

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About "getting succeded payment from stripe and failed payment from our checkout", do you have specific examples for me to check?

hollow spear Oct 6, 2025, 6:59 AM

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From stripe - ch_3SDuEAJQwuLuUgj421ZVfmuC
Our Checkout - ch_3SDz4WJQwuLuUgj40lOOz6lM

wheat moat Oct 6, 2025, 7:04 AM

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https://dashboard.stripe.com/events/evt_3SDuEAJQwuLuUgj42Cp6KeE6 based on the payment_intent.payment_failed event, ch_3SDuEAJQwuLuUgj421ZVfmuC was declined by the card network, and the "The bank did not return any further details with this decline"

hollow spear Oct 6, 2025, 7:11 AM

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But why this is happen because same things in stripe working fine.

wheat moat Oct 6, 2025, 7:15 AM

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Payments aren't deterministic, the card issuer will approve / reject transactions even when the same card is used.

hollow spear Oct 6, 2025, 7:23 AM

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I understand that payments aren’t deterministic, but the same card works in Stripe’s own payment flow while failing in our checkout. Since we are using Stripe for payments, this inconsistency shouldn’t happen. Please give me proper clarification.

wheat moat Oct 6, 2025, 7:25 AM

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As I explained before, ch_3SDuEAJQwuLuUgj421ZVfmuC was declined by the card network, and the "The bank did not return any further details with this decline". I have no further information to share I'm afraid.

hollow spear Oct 6, 2025, 7:36 AM

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My customer is frustrated because all their MasterCard payments are failing in our checkout, while the same card works fine directly in Stripe. They tell Stripe works, but our app doesn’t. Can you advise if we can check any payment radar rules or other settings to follow up and resolve this?

wheat moat Oct 6, 2025, 7:44 AM

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Do you have more examples?

hollow spear Oct 6, 2025, 7:45 AM

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ch_3SDCABJQwuLuUgj415fe2I5u

wheat moat Oct 6, 2025, 7:49 AM

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It's the same "The bank did not return any further details with this decline" message.

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I don't have more insights rather than suggesting your customer to reach out to their issuing bank to clarify, or use a different card.

gritty locustBOT Oct 6, 2025, 8:02 AM

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hollow spear Oct 6, 2025, 8:20 AM

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But our customers say this issue is from our side and it is working in stripe with same card.

torpid girder Oct 6, 2025, 8:20 AM

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Not something we can help with here I'm afraid. These are generic bank declines as noted. You need to speak with Stripe Support, or the customer(s) should speak to their bank

hollow spear Oct 6, 2025, 8:26 AM

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Can you please check any payment method radar options which affect on payments?

torpid girder Oct 6, 2025, 8:27 AM

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This is not integration related as noted. These are bank declines, we cannot help further – sorry

#niraj-p_unexpected