connor_3ds-legacycard | Stripe Developers | Page 1

sage sunBOT Dec 10, 2025, 10:46 PM

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crisp willow Dec 10, 2025, 10:48 PM

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We have been on Stripe for 8+ years and many of our current customers have cards (card_xxxxxxxx) created through the Sources API. Recently, we migrated to PaymentIntents, and request 3DS on all new attempts to create a Card in the SetupIntents/PaymentMethods API as well as on all PaymentIntents (including PaymentIntents using old Source cards).

When we see that a Customer is present and has selected an old Source card, is it possible to request 3DS verification then and there and convert it into a PaymentMethod without the need to re-enter payment merhod details?

true trench Dec 10, 2025, 10:48 PM

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@crisp willow there's no way to turn an old Card (card_123) or Source (src_123) into a PaymentMethod (pm_123) no

But that should not be needed. We made those objects forward compatible with the new API

crisp willow Dec 10, 2025, 10:49 PM

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Totally understood on the forward compatibility side, I was just wondering if we could request 3DS up front to prevent friction later on

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(when the payment method is used off-session later)

true trench Dec 10, 2025, 10:50 PM

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you shouldn't really need to do that. Older objects were "grandfathered" in a pre-SCA world and shouldn't need this I think

crisp willow Dec 10, 2025, 10:51 PM

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Oh hmm, we were still seeing 3DS challenges on older cards

true trench Dec 10, 2025, 10:57 PM

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I'd recommend reaching out to our support team to investigate https://support.stripe.com/contact

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but otherwise you can use the SetupIntent API and force 3DS via https://docs.stripe.com/api/setup_intents/create#create_setup_intent-payment_method_options-card-request_three_d_secure and configure those properly (without needing to turn them into a PaymentMethod)

#connor_3ds-legacycard